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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 | $174,379+112.3% | $152,093+143.4% | $138,895+166.5% |
| Participation rate | 30.8% | 81.6%-50.9pp | 77.8%-47.0pp | 79.9%-49.1pp |
| Annual return | 19.86% | 74.86%-55.0pp | 66.36%-46.5pp | 145.39%-125.5pp |
| Employer contribution / active EE | $11,445 | $4,652+146.0% | $4,175+174.1% | $4,194+172.9% |
| Participant deferral / active EE | $6,698 | $6,159+8.7% | $5,451+22.9% | $6,396+4.7% |
| Admin fee / account holder | $4,726 | $16,880-72.0% | $14,497-67.4% | $12,562-62.4% |