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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 | $571,636 | $156,398+265.5% | $147,318+288.0% | $138,895+311.6% |
| Participation rate | 33.3% | 83.8%-50.4pp | 82.1%-48.7pp | 79.9%-46.6pp |
| Annual return | 14.76% | 78.75%-64.0pp | 70.43%-55.7pp | 145.39%-130.6pp |
| Employer contribution / active EE | $1,056 | $4,853-78.2% | $4,593-77.0% | $4,194-74.8% |
| Participant deferral / active EE | $6,867 | $8,237-16.6% | $7,906-13.1% | $6,396+7.4% |
| Admin fee / account holder | $64,821 | $14,976+332.8% | $13,708+372.9% | $12,562+416.0% |