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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 | $377,037 | $185,312+103.5% | $161,489+133.5% | $154,746+143.6% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 19.69% | 103.84%-84.1pp | 89.72%-70.0pp | 172.34%-152.6pp |
| Employer contribution / active EE | $1,474 | $4,769-69.1% | $4,268-65.5% | $4,379-66.3% |
| Participant deferral / active EE | $6,029 | $6,350-5.0% | $5,630+7.1% | $6,730-10.4% |
| Admin fee / account holder | $33,814 | $18,654+81.3% | $16,006+111.3% | $14,365+135.4% |