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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 | $268,709 | $183,516+46.4% | $155,534+72.8% | $145,884+84.2% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 12.24% | 61.43%-49.2pp | 64.92%-52.7pp | 551.85%-539.6pp |
| Employer contribution / active EE | $11,721 | $5,315+120.5% | $4,675+150.7% | $4,662+151.4% |
| Participant deferral / active EE | $17,783 | $6,467+175.0% | $5,630+215.8% | $6,690+165.8% |
| Admin fee / account holder | $25,824 | $19,293+33.9% | $15,900+62.4% | $13,392+92.8% |