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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 | $288,567 | $201,372+43.3% | $184,260+56.6% | $145,884+97.8% |
| Participation rate | 64.7% | 87.5%-22.8pp | 86.8%-22.1pp | 80.3%-15.6pp |
| Annual return | 25.55% | 29.04%-3.5pp | 28.84%-3.3pp | 551.85%-526.3pp |
| Employer contribution / active EE | $2,357 | $7,024-66.4% | $6,427-63.3% | $4,662-49.4% |
| Participant deferral / active EE | $12,236 | $9,808+24.8% | $9,133+34.0% | $6,690+82.9% |
| Admin fee / account holder | $1,727 | $16,362-89.4% | $13,898-87.6% | $13,392-87.1% |