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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 | $329,728 | $148,582+121.9% | $135,942+142.6% | $139,456+136.4% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.2pp | 80.3%-13.7pp |
| Annual return | 15.34% | 79.26%-63.9pp | 68.28%-52.9pp | 373.45%-358.1pp |
| Employer contribution / active EE | $3,439 | $5,245-34.4% | $4,858-29.2% | $4,753-27.6% |
| Participant deferral / active EE | $10,158 | $8,101+25.4% | $7,759+30.9% | $6,711+51.4% |
| Admin fee / account holder | $25,595 | $12,402+106.4% | $10,764+137.8% | $11,407+124.4% |