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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 | $545,465 | $254,759+114.1% | $216,567+151.9% | $198,609+174.6% |
| Participation rate | 65.2% | 84.5%-19.3pp | 81.6%-16.4pp | 82.4%-17.2pp |
| Annual return | 12.44% | 10.04%+2.4pp | 12.94%-0.5pp | 202.70%-190.3pp |
| Employer contribution / active EE | $3,310 | $6,096-45.7% | $5,216-36.5% | $5,055-34.5% |
| Participant deferral / active EE | $5,167 | $6,948-25.6% | $6,191-16.5% | $6,977-25.9% |
| Admin fee / account holder | $7,429 | $26,311-71.8% | $21,981-66.2% | $19,030-61.0% |