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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 | $291,278 | $77,920+273.8% | $149,723+94.5% | $75,177+287.5% |
| Participation rate | 61.5% | 65.6%-4.0pp | 78.8%-17.2pp | 67.2%-5.7pp |
| Annual return | 14.19% | 31.72%-17.5pp | 134.50%-120.3pp | 160.75%-146.6pp |
| Employer contribution / active EE | $5,598 | $3,138+78.4% | $4,821+16.1% | $2,671+109.6% |
| Participant deferral / active EE | $5,487 | $3,411+60.8% | $5,682-3.4% | $4,126+33.0% |
| Admin fee / account holder | $14,588 | $5,951+145.1% | $13,215+10.4% | $5,651+158.1% |