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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 | $319,438 | $178,174+79.3% | $156,181+104.5% | $137,256+132.7% |
| Participation rate | 56.3% | 82.0%-25.8pp | 78.8%-22.6pp | 80.0%-23.7pp |
| Annual return | 14.09% | 84.19%-70.1pp | 64.87%-50.8pp | 220.34%-206.3pp |
| Employer contribution / active EE | $1,889 | $4,972-62.0% | $4,294-56.0% | $4,156-54.6% |
| Participant deferral / active EE | $5,683 | $6,888-17.5% | $6,132-7.3% | $6,407-11.3% |
| Admin fee / account holder | $1,801 | $17,404-89.7% | $14,586-87.7% | $12,270-85.3% |