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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 | $323,292 | $201,372+60.5% | $184,260+75.5% | $145,884+121.6% |
| Participation rate | 57.1% | 87.5%-30.3pp | 86.8%-29.7pp | 80.3%-23.2pp |
| Annual return | 12.95% | 29.04%-16.1pp | 28.84%-15.9pp | 551.85%-538.9pp |
| Employer contribution / active EE | $9,742 | $7,024+38.7% | $6,427+51.6% | $4,662+109.0% |
| Participant deferral / active EE | $15,531 | $9,808+58.4% | $9,133+70.1% | $6,690+132.2% |
| Admin fee / account holder | $1,176 | $16,362-92.8% | $13,898-91.5% | $13,392-91.2% |