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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 | $285,687 | $154,228+85.2% | $145,433+96.4% | $137,256+108.1% |
| Participation rate | 54.5% | 83.8%-29.2pp | 82.1%-27.6pp | 80.0%-25.4pp |
| Annual return | 15.88% | 74.59%-58.7pp | 66.58%-50.7pp | 220.34%-204.5pp |
| Employer contribution / active EE | $5,189 | $4,804+8.0% | $4,554+13.9% | $4,156+24.9% |
| Participant deferral / active EE | $12,442 | $8,216+51.4% | $7,897+57.5% | $6,407+94.2% |
| Admin fee / account holder | $5,269 | $14,344-63.3% | $13,129-59.9% | $12,270-57.1% |