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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 | $371,265 | $211,288+75.7% | $178,540+107.9% | $145,884+154.5% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 18.11% | 30.27%-12.2pp | 27.15%-9.0pp | 551.85%-533.7pp |
| Employer contribution / active EE | $5,367 | $4,574+17.4% | $3,953+35.8% | $4,662+15.1% |
| Participant deferral / active EE | $13,192 | $6,967+89.4% | $6,281+110.1% | $6,690+97.2% |
| Admin fee / account holder | $28,388 | $12,105+134.5% | $10,424+172.3% | $13,392+112.0% |