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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 | $729,707 | $153,769+374.5% | $133,975+444.7% | $273,972+166.3% |
| Participation rate | 64.3% | 88.4%-24.1pp | 87.1%-22.8pp | 83.0%-18.7pp |
| Annual return | 7.96% | 36.51%-28.5pp | 29.29%-21.3pp | 41.46%-33.5pp |
| Employer contribution / active EE | $9,962 | $6,029+65.2% | $5,211+91.2% | $4,869+104.6% |
| Participant deferral / active EE | $5,118 | $6,958-26.5% | $6,282-18.5% | $5,287-3.2% |
| Admin fee / account holder | $17,161 | $11,765+45.9% | $9,324+84.0% | $10,133+69.4% |