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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 | $223,823+37.7% | $211,142+45.9% | $154,746+99.1% |
| Participation rate | 66.7% | 87.9%-21.2pp | 87.3%-20.6pp | 80.7%-14.0pp |
| Annual return | 17.37% | 50.39%-33.0pp | 46.84%-29.5pp | 172.34%-155.0pp |
| Employer contribution / active EE | $6,355 | $6,787-6.4% | $6,442-1.4% | $4,379+45.1% |
| Participant deferral / active EE | $15,667 | $9,750+60.7% | $9,284+68.7% | $6,730+132.8% |
| Admin fee / account holder | $2,192 | $19,707-88.9% | $19,076-88.5% | $14,365-84.7% |