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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 | $308,101 | $209,336+47.2% | $197,124+56.3% | $137,256+124.5% |
| Participation rate | 66.7% | 87.3%-20.6pp | 86.7%-20.0pp | 80.0%-13.3pp |
| Annual return | 17.37% | 48.09%-30.7pp | 44.34%-27.0pp | 220.34%-203.0pp |
| Employer contribution / active EE | $6,355 | $6,591-3.6% | $6,227+2.0% | $4,156+52.9% |
| Participant deferral / active EE | $15,667 | $9,614+63.0% | $9,135+71.5% | $6,407+144.5% |
| Admin fee / account holder | $2,192 | $17,308-87.3% | $16,298-86.6% | $12,270-82.1% |