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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 | $752,243 | $136,860+449.6% | $120,344+525.1% | $154,746+386.1% |
| Participation rate | 61.1% | 79.9%-18.8pp | 76.7%-15.6pp | 80.7%-19.6pp |
| Annual return | 18.63% | 21.38%-2.7pp | 20.30%-1.7pp | 172.34%-153.7pp |
| Employer contribution / active EE | $1,501 | $3,533-57.5% | $3,020-50.3% | $4,379-65.7% |
| Participant deferral / active EE | $6,763 | $5,793+16.7% | $5,135+31.7% | $6,730+0.5% |
| Admin fee / account holder | $53,232 | $15,393+245.8% | $12,742+317.8% | $14,365+270.6% |