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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 | $199,109+174.0% | $173,730+214.0% | $154,746+252.5% |
| Participation rate | 65.2% | 82.8%-17.6pp | 79.6%-14.4pp | 80.7%-15.5pp |
| Annual return | 12.44% | 20.02%-7.6pp | 19.96%-7.5pp | 172.34%-159.9pp |
| Employer contribution / active EE | $3,310 | $5,311-37.7% | $4,577-27.7% | $4,379-24.4% |
| Participant deferral / active EE | $5,167 | $7,113-27.4% | $6,326-18.3% | $6,730-23.2% |
| Admin fee / account holder | $7,429 | $20,916-64.5% | $17,523-57.6% | $14,365-48.3% |