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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 | $693,652 | $91,194+660.6% | $178,486+288.6% | $79,860+768.6% |
| Participation rate | 65.0% | 69.2%-4.2pp | 81.9%-16.9pp | 69.6%-4.6pp |
| Annual return | 12.83% | 24.19%-11.4pp | 151.08%-138.3pp | 31.72%-18.9pp |
| Employer contribution / active EE | $20,997 | $3,256+544.9% | $5,011+319.0% | $2,471+749.8% |
| Participant deferral / active EE | $7,581 | $3,236+134.2% | $5,202+45.7% | $3,740+102.7% |
| Admin fee / account holder | $2,523 | $6,751-62.6% | $13,985-82.0% | $5,306-52.5% |