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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 | $473,471 | $148,623+218.6% | $135,974+248.2% | $139,466+239.5% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 14.83% | 79.30%-64.5pp | 68.30%-53.5pp | 373.66%-358.8pp |
| Employer contribution / active EE | $3,983 | $5,246-24.1% | $4,859-18.0% | $4,754-16.2% |
| Participant deferral / active EE | $7,360 | $8,103-9.2% | $7,760-5.2% | $6,712+9.7% |
| Admin fee / account holder | $11,699 | $12,406-5.7% | $10,767+8.7% | $11,409+2.5% |