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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 | $905,380 | $289,211+213.1% | $260,467+247.6% | $198,609+355.9% |
| Participation rate | 33.3% | 83.1%-49.8pp | 80.5%-47.1pp | 82.4%-49.0pp |
| Annual return | 4.72% | 112.90%-108.2pp | 100.60%-95.9pp | 202.70%-198.0pp |
| Employer contribution / active EE | $12,833 | $4,663+175.2% | $4,239+202.8% | $5,055+153.9% |
| Participant deferral / active EE | $10,333 | $6,812+51.7% | $6,319+63.5% | $6,977+48.1% |
| Admin fee / account holder | $36,459 | $16,236+124.6% | $15,461+135.8% | $19,030+91.6% |