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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 | $287,128 | $77,920+268.5% | $149,723+91.8% | $75,177+281.9% |
| Participation rate | 65.6% | 65.6%0pp | 78.8%-13.2pp | 67.2%-1.6pp |
| Annual return | 20.10% | 31.72%-11.6pp | 134.50%-114.4pp | 160.75%-140.6pp |
| Employer contribution / active EE | $4,606 | $3,138+46.8% | $4,821-4.5% | $2,671+72.4% |
| Participant deferral / active EE | $7,509 | $3,411+120.1% | $5,682+32.1% | $4,126+82.0% |
| Admin fee / account holder | $8,897 | $5,951+49.5% | $13,215-32.7% | $5,651+57.4% |