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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 | $275,752+7.6% | $256,809+15.5% | $198,609+49.4% |
| Participation rate | 63.2% | 89.2%-26.0pp | 88.5%-25.4pp | 82.4%-19.2pp |
| Annual return | 15.59% | 34.81%-19.2pp | 32.73%-17.1pp | 202.70%-187.1pp |
| Employer contribution / active EE | $2,055 | $7,721-73.4% | $7,263-71.7% | $5,055-59.4% |
| Participant deferral / active EE | $7,804 | $10,037-22.3% | $9,520-18.0% | $6,977+11.8% |
| Admin fee / account holder | $1,294 | $25,716-95.0% | $25,146-94.9% | $19,030-93.2% |