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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 | $419,613 | $154,228+172.1% | $145,433+188.5% | $137,256+205.7% |
| Participation rate | 60.0% | 83.8%-23.8pp | 82.1%-22.1pp | 80.0%-20.0pp |
| Annual return | 15.48% | 74.59%-59.1pp | 66.58%-51.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $6,111 | $4,804+27.2% | $4,554+34.2% | $4,156+47.0% |
| Participant deferral / active EE | $13,060 | $8,216+59.0% | $7,897+65.4% | $6,407+103.8% |
| Admin fee / account holder | $2,743 | $14,344-80.9% | $13,129-79.1% | $12,270-77.6% |