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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 | $326,785 | $132,634+146.4% | $115,768+182.3% | $137,256+138.1% |
| Participation rate | 68.8% | 77.9%-9.1pp | 74.4%-5.6pp | 80.0%-11.2pp |
| Annual return | 18.30% | 160.70%-142.4pp | 100.46%-82.2pp | 220.34%-202.0pp |
| Employer contribution / active EE | $5,514 | $3,360+64.1% | $2,940+87.5% | $4,156+32.7% |
| Participant deferral / active EE | $13,214 | $5,619+135.2% | $4,917+168.7% | $6,407+106.2% |
| Admin fee / account holder | $861 | $15,028-94.3% | $12,439-93.1% | $12,270-93.0% |