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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 | $382,538 | $172,111+122.3% | $150,298+154.5% | $137,256+178.7% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 12.71% | 69.37%-56.7pp | 62.79%-50.1pp | 220.34%-207.6pp |
| Employer contribution / active EE | $2,942 | $4,636-36.5% | $4,154-29.2% | $4,156-29.2% |
| Participant deferral / active EE | $5,049 | $6,166-18.1% | $5,453-7.4% | $6,407-21.2% |
| Admin fee / account holder | $4,097 | $16,471-75.1% | $14,116-71.0% | $12,270-66.6% |