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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 | $289,153 | $154,467+87.2% | $130,270+122.0% | $139,487+107.3% |
| Participation rate | 60.0% | 79.9%-19.9pp | 76.3%-16.3pp | 80.3%-20.3pp |
| Annual return | 17.67% | 30.58%-12.9pp | 38.89%-21.2pp | 373.84%-356.2pp |
| Employer contribution / active EE | $3,533 | $5,175-31.7% | $4,128-14.4% | $4,755-25.7% |
| Participant deferral / active EE | $15,000 | $8,497+76.5% | $6,797+120.7% | $6,713+123.5% |
| Admin fee / account holder | $9,157 | $9,222-0.7% | $6,022+52.1% | $11,407-19.7% |