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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 | $324,877 | $154,228+110.6% | $145,433+123.4% | $137,256+136.7% |
| Participation rate | 68.8% | 83.8%-15.0pp | 82.1%-13.4pp | 80.0%-11.2pp |
| Annual return | 16.20% | 74.59%-58.4pp | 66.58%-50.4pp | 220.34%-204.1pp |
| Employer contribution / active EE | $4,295 | $4,804-10.6% | $4,554-5.7% | $4,156+3.4% |
| Participant deferral / active EE | $9,533 | $8,216+16.0% | $7,897+20.7% | $6,407+48.8% |
| Admin fee / account holder | $16,994 | $14,344+18.5% | $13,129+29.4% | $12,270+38.5% |