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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,092,933 | $183,592+495.3% | $155,574+602.5% | $145,877+649.2% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 23.30% | 61.37%-38.1pp | 64.87%-41.6pp | 551.28%-528.0pp |
| Employer contribution / active EE | $2,259 | $5,317-57.5% | $4,676-51.7% | $4,663-51.5% |
| Participant deferral / active EE | $6,352 | $6,466-1.8% | $5,629+12.8% | $6,691-5.1% |
| Admin fee / account holder | $291,889 | $19,316+1411.1% | $15,914+1734.1% | $13,402+2077.9% |