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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 | $185,312+106.4% | $161,489+136.9% | $154,746+147.2% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 12.71% | 103.84%-91.1pp | 89.72%-77.0pp | 172.34%-159.6pp |
| Employer contribution / active EE | $2,942 | $4,769-38.3% | $4,268-31.1% | $4,379-32.8% |
| Participant deferral / active EE | $5,049 | $6,350-20.5% | $5,630-10.3% | $6,730-25.0% |
| Admin fee / account holder | $4,097 | $18,654-78.0% | $16,006-74.4% | $14,365-71.5% |