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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 | $296,688 | $209,336+41.7% | $197,124+50.5% | $137,256+116.2% |
| Participation rate | 63.2% | 87.3%-24.1pp | 86.7%-23.6pp | 80.0%-16.8pp |
| Annual return | 15.59% | 48.09%-32.5pp | 44.34%-28.8pp | 220.34%-204.8pp |
| Employer contribution / active EE | $2,055 | $6,591-68.8% | $6,227-67.0% | $4,156-50.6% |
| Participant deferral / active EE | $7,804 | $9,614-18.8% | $9,135-14.6% | $6,407+21.8% |
| Admin fee / account holder | $1,294 | $17,308-92.5% | $16,298-92.1% | $12,270-89.5% |