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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 | $514,812 | $125,778+309.3% | $114,563+349.4% | $154,746+232.7% |
| Participation rate | 52.6% | 75.2%-22.6pp | 72.9%-20.3pp | 80.7%-28.1pp |
| Annual return | 14.07% | 295.14%-281.1pp | 241.09%-227.0pp | 172.34%-158.3pp |
| Employer contribution / active EE | $1,699 | $2,806-39.4% | $2,592-34.4% | $4,379-61.2% |
| Participant deferral / active EE | $4,332 | $4,445-2.5% | $4,142+4.6% | $6,730-35.6% |
| Admin fee / account holder | $1,008 | $8,190-87.7% | $7,623-86.8% | $14,365-93.0% |