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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 | $377,343 | $154,228+144.7% | $145,433+159.5% | $137,256+174.9% |
| Participation rate | 57.1% | 83.8%-26.6pp | 82.1%-25.0pp | 80.0%-22.8pp |
| Annual return | 13.58% | 74.59%-61.0pp | 66.58%-53.0pp | 220.34%-206.8pp |
| Employer contribution / active EE | $2,576 | $4,804-46.4% | $4,554-43.4% | $4,156-38.0% |
| Participant deferral / active EE | $18,856 | $8,216+129.5% | $7,897+138.8% | $6,407+194.3% |
| Admin fee / account holder | $171,072 | $14,344+1092.7% | $13,129+1203.0% | $12,270+1294.2% |