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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 | $269,552 | $209,336+28.8% | $197,124+36.7% | $137,256+96.4% |
| Participation rate | 57.1% | 87.3%-30.2pp | 86.7%-29.6pp | 80.0%-22.8pp |
| Annual return | 11.83% | 48.09%-36.3pp | 44.34%-32.5pp | 220.34%-208.5pp |
| Employer contribution / active EE | $10,294 | $6,591+56.2% | $6,227+65.3% | $4,156+147.7% |
| Participant deferral / active EE | $16,629 | $9,614+73.0% | $9,135+82.0% | $6,407+159.5% |
| Admin fee / account holder | $140,311 | $17,308+710.7% | $16,298+760.9% | $12,270+1043.5% |