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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 | $201,344+62.1% | $184,243+77.1% | $145,877+123.7% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 17.83% | 29.01%-11.2pp | 28.82%-11.0pp | 551.28%-533.5pp |
| Employer contribution / active EE | $2,715 | $7,022-61.3% | $6,427-57.8% | $4,663-41.8% |
| Participant deferral / active EE | $8,894 | $9,807-9.3% | $9,132-2.6% | $6,691+32.9% |
| Admin fee / account holder | $3,120 | $16,382-81.0% | $13,914-77.6% | $13,402-76.7% |