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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 | $874,248 | $201,372+334.1% | $184,260+374.5% | $145,884+499.3% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 14.82% | 29.04%-14.2pp | 28.84%-14.0pp | 551.85%-537.0pp |
| Employer contribution / active EE | $16,292 | $7,024+132.0% | $6,427+153.5% | $4,662+249.4% |
| Participant deferral / active EE | $11,735 | $9,808+19.7% | $9,133+28.5% | $6,690+75.4% |
| Admin fee / account holder | $7,398 | $16,362-54.8% | $13,898-46.8% | $13,392-44.8% |