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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 | $162,136+76.2% | $152,301+87.6% | $154,746+84.6% |
| Participation rate | 54.5% | 84.1%-29.6pp | 82.4%-27.9pp | 80.7%-26.2pp |
| Annual return | 15.88% | 91.02%-75.1pp | 80.50%-64.6pp | 172.34%-156.5pp |
| Employer contribution / active EE | $5,189 | $4,890+6.1% | $4,624+12.2% | $4,379+18.5% |
| Participant deferral / active EE | $12,442 | $8,341+49.2% | $8,004+55.4% | $6,730+84.9% |
| Admin fee / account holder | $5,269 | $15,759-66.6% | $14,398-63.4% | $14,365-63.3% |