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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 | $448,854 | $172,111+160.8% | $150,298+198.6% | $137,256+227.0% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | 17.42% | 69.37%-52.0pp | 62.79%-45.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $10,386 | $4,636+124.0% | $4,154+150.0% | $4,156+149.9% |
| Participant deferral / active EE | $6,565 | $6,166+6.5% | $5,453+20.4% | $6,407+2.5% |
| Admin fee / account holder | $1,616 | $16,471-90.2% | $14,116-88.6% | $12,270-86.8% |