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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 | $263,924 | $166,089+58.9% | $164,928+60.0% | $145,978+80.8% |
| Participation rate | 36.8% | 82.0%-45.2pp | 78.6%-41.8pp | 80.3%-43.5pp |
| Annual return | 20.74% | 100.26%-79.5pp | 70.08%-49.3pp | 550.52%-529.8pp |
| Employer contribution / active EE | $4,137 | $5,276-21.6% | $4,343-4.8% | $4,662-11.3% |
| Participant deferral / active EE | $10,616 | $6,961+52.5% | $6,034+75.9% | $6,690+58.7% |
| Admin fee / account holder | $21,203 | $16,641+27.4% | $12,684+67.2% | $13,400+58.2% |