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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 | $370,172 | $172,111+115.1% | $150,298+146.3% | $137,256+169.7% |
| Participation rate | 30.8% | 81.7%-50.9pp | 77.8%-47.0pp | 80.0%-49.2pp |
| Annual return | 19.86% | 69.37%-49.5pp | 62.79%-42.9pp | 220.34%-200.5pp |
| Employer contribution / active EE | $11,445 | $4,636+146.9% | $4,154+175.5% | $4,156+175.4% |
| Participant deferral / active EE | $6,698 | $6,166+8.6% | $5,453+22.8% | $6,407+4.5% |
| Admin fee / account holder | $4,726 | $16,471-71.3% | $14,116-66.5% | $12,270-61.5% |