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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 | $415,125 | $254,759+62.9% | $216,567+91.7% | $198,609+109.0% |
| Participation rate | 50.0% | 84.5%-34.5pp | 81.6%-31.6pp | 82.4%-32.4pp |
| Annual return | 15.39% | 10.04%+5.3pp | 12.94%+2.4pp | 202.70%-187.3pp |
| Employer contribution / active EE | $7,634 | $6,096+25.2% | $5,216+46.4% | $5,055+51.0% |
| Participant deferral / active EE | $15,500 | $6,948+123.1% | $6,191+150.4% | $6,977+122.2% |
| Admin fee / account holder | $2,718 | $26,311-89.7% | $21,981-87.6% | $19,030-85.7% |