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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 | $294,621 | $183,592+60.5% | $155,574+89.4% | $145,877+102.0% |
| Participation rate | 61.9% | 82.7%-20.8pp | 78.2%-16.3pp | 80.3%-18.4pp |
| Annual return | 20.65% | 61.37%-40.7pp | 64.87%-44.2pp | 551.28%-530.6pp |
| Employer contribution / active EE | $2,096 | $5,317-60.6% | $4,676-55.2% | $4,663-55.0% |
| Participant deferral / active EE | $6,543 | $6,466+1.2% | $5,629+16.2% | $6,691-2.2% |
| Admin fee / account holder | $1,881 | $19,316-90.3% | $15,914-88.2% | $13,402-86.0% |