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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 | $181,062+139.8% | $158,223+174.4% | $155,188+179.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 15.09% | 57.39%-42.3pp | 52.09%-37.0pp | 148.84%-133.7pp |
| Employer contribution / active EE | $5,786 | $4,565+26.8% | $4,109+40.8% | $4,248+36.2% |
| Participant deferral / active EE | $8,967 | $6,134+46.2% | $5,467+64.0% | $6,531+37.3% |
| Admin fee / account holder | $630 | $18,825-96.7% | $16,047-96.1% | $14,480-95.7% |