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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 | $312,955 | $86,891+260.2% | $142,516+119.6% | $75,173+316.3% |
| Participation rate | 54.5% | 68.5%-14.0pp | 76.8%-22.2pp | 67.2%-12.7pp |
| Annual return | 18.89% | 23.31%-4.4pp | 19.99%-1.1pp | 160.72%-141.8pp |
| Employer contribution / active EE | $12,441 | $3,355+270.8% | $4,849+156.6% | $2,671+365.8% |
| Participant deferral / active EE | $13,592 | $4,938+175.3% | $6,280+116.4% | $4,126+229.4% |
| Admin fee / account holder | $20,680 | $7,299+183.3% | $10,008+106.6% | $5,651+266.0% |