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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 | $162,136+100.4% | $152,301+113.3% | $154,746+109.9% |
| Participation rate | 68.8% | 84.1%-15.4pp | 82.4%-13.7pp | 80.7%-12.0pp |
| Annual return | 16.20% | 91.02%-74.8pp | 80.50%-64.3pp | 172.34%-156.1pp |
| Employer contribution / active EE | $4,295 | $4,890-12.2% | $4,624-7.1% | $4,379-1.9% |
| Participant deferral / active EE | $9,533 | $8,341+14.3% | $8,004+19.1% | $6,730+41.6% |
| Admin fee / account holder | $16,994 | $15,759+7.8% | $14,398+18.0% | $14,365+18.3% |