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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 | $293,069 | $105,284+178.4% | $150,734+94.4% | $94,015+211.7% |
| Participation rate | 69.4% | 71.7%-2.3pp | 78.4%-9.1pp | 70.8%-1.4pp |
| Annual return | 11.26% | 15.67%-4.4pp | 600.81%-589.5pp | 17.84%-6.6pp |
| Employer contribution / active EE | $6,778 | $3,599+88.4% | $4,918+37.8% | $2,790+142.9% |
| Participant deferral / active EE | $13,558 | $4,274+217.2% | $5,610+141.7% | $4,249+219.0% |
| Admin fee / account holder | $10,632 | $9,839+8.1% | $14,905-28.7% | $8,951+18.8% |