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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 | $393,589 | $172,758+127.8% | $149,600+163.1% | $138,895+183.4% |
| Participation rate | 66.7% | 80.2%-13.5pp | 77.2%-10.5pp | 79.9%-13.3pp |
| Annual return | 11.52% | 181.17%-169.6pp | 129.59%-118.1pp | 145.39%-133.9pp |
| Employer contribution / active EE | $5,786 | $4,778+21.1% | $4,193+38.0% | $4,194+37.9% |
| Participant deferral / active EE | $11,825 | $8,180+44.6% | $7,203+64.2% | $6,396+84.9% |
| Admin fee / account holder | $68,135 | $17,615+286.8% | $13,963+388.0% | $12,562+442.4% |