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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 | $3,098,619 | $183,539+1588.3% | $155,556+1892.0% | $145,897+2023.8% |
| Participation rate | 20.0% | 82.7%-62.7pp | 78.2%-58.2pp | 80.3%-60.3pp |
| Annual return | 8.79% | 61.31%-52.5pp | 64.84%-56.1pp | 552.29%-543.5pp |
| Employer contribution / active EE | $9,200 | $5,315+73.1% | $4,675+96.8% | $4,663+97.3% |
| Participant deferral / active EE | $6,100 | $6,467-5.7% | $5,631+8.3% | $6,689-8.8% |
| Admin fee / account holder | $28,983 | $19,275+50.4% | $15,885+82.5% | $13,390+116.4% |