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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 | $982,355 | $112,933+769.9% | $90,970+979.9% | $158,982+517.9% |
| Participation rate | 37.5% | 74.7%-37.2pp | 69.0%-31.5pp | 82.0%-44.5pp |
| Annual return | 12.63% | 215.82%-203.2pp | 134.60%-122.0pp | 302.99%-290.4pp |
| Employer contribution / active EE | $1,468 | $2,893-49.3% | $2,122-30.8% | $4,763-69.2% |
| Participant deferral / active EE | $6,260 | $4,128+51.7% | $3,373+85.6% | $5,983+4.6% |
| Admin fee / account holder | $4,270 | $8,047-46.9% | $5,961-28.4% | $11,252-62.0% |