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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 | $388,125 | $213,785+81.5% | $185,441+109.3% | $155,188+150.1% |
| Participation rate | 41.7% | 83.2%-41.6pp | 80.3%-38.6pp | 80.8%-39.1pp |
| Annual return | 7.33% | 19.97%-12.6pp | 20.16%-12.8pp | 148.84%-141.5pp |
| Employer contribution / active EE | $7,530 | $5,393+39.6% | $4,672+61.2% | $4,248+77.3% |
| Participant deferral / active EE | $9,413 | $6,864+37.1% | $6,152+53.0% | $6,531+44.1% |
| Admin fee / account holder | $147,424 | $21,134+597.6% | $17,890+724.1% | $14,480+918.1% |