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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 | $315,418 | $183,592+71.8% | $155,574+102.7% | $145,877+116.2% |
| Participation rate | 69.2% | 82.7%-13.5pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 16.58% | 61.37%-44.8pp | 64.87%-48.3pp | 551.28%-534.7pp |
| Employer contribution / active EE | $2,463 | $5,317-53.7% | $4,676-47.3% | $4,663-47.2% |
| Participant deferral / active EE | $8,651 | $6,466+33.8% | $5,629+53.7% | $6,691+29.3% |
| Admin fee / account holder | $724 | $19,316-96.2% | $15,914-95.4% | $13,402-94.6% |