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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 | $326,284 | $201,370+62.0% | $184,256+77.1% | $145,897+123.6% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 17.83% | 29.05%-11.2pp | 28.85%-11.0pp | 552.29%-534.5pp |
| Employer contribution / active EE | $2,715 | $7,024-61.4% | $6,427-57.8% | $4,663-41.8% |
| Participant deferral / active EE | $8,894 | $9,808-9.3% | $9,133-2.6% | $6,689+33.0% |
| Admin fee / account holder | $3,120 | $16,364-80.9% | $13,899-77.6% | $13,390-76.7% |