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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 | $291,279 | $181,062+60.9% | $158,223+84.1% | $155,188+87.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 14.11% | 57.39%-43.3pp | 52.09%-38.0pp | 148.84%-134.7pp |
| Employer contribution / active EE | $2,336 | $4,565-48.8% | $4,109-43.2% | $4,248-45.0% |
| Participant deferral / active EE | $5,898 | $6,134-3.8% | $5,467+7.9% | $6,531-9.7% |
| Admin fee / account holder | $10,423 | $18,825-44.6% | $16,047-35.1% | $14,480-28.0% |