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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 | $158,393+148.5% | $143,412+174.4% | $155,188+153.6% |
| Participation rate | 66.7% | 79.7%-13.1pp | 78.5%-11.8pp | 80.8%-14.1pp |
| Annual return | 11.52% | 324.22%-312.7pp | 256.99%-245.5pp | 148.84%-137.3pp |
| Employer contribution / active EE | $5,786 | $3,911+47.9% | $3,748+54.4% | $4,248+36.2% |
| Participant deferral / active EE | $11,825 | $7,193+64.4% | $6,816+73.5% | $6,531+81.0% |
| Admin fee / account holder | $68,135 | $12,964+425.6% | $11,396+497.9% | $14,480+370.6% |