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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 | $434,136 | $185,312+134.3% | $161,489+168.8% | $154,746+180.5% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 15.09% | 103.84%-88.8pp | 89.72%-74.6pp | 172.34%-157.2pp |
| Employer contribution / active EE | $5,786 | $4,769+21.3% | $4,268+35.6% | $4,379+32.1% |
| Participant deferral / active EE | $8,967 | $6,350+41.2% | $5,630+59.3% | $6,730+33.2% |
| Admin fee / account holder | $630 | $18,654-96.6% | $16,006-96.1% | $14,365-95.6% |