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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 | $365,994 | $183,627+99.3% | $155,602+135.2% | $145,978+150.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.5pp | 80.3%-13.6pp |
| Annual return | 17.72% | 61.32%-43.6pp | 64.81%-47.1pp | 550.52%-532.8pp |
| Employer contribution / active EE | $5,227 | $5,316-1.7% | $4,675+11.8% | $4,662+12.1% |
| Participant deferral / active EE | $21,033 | $6,466+225.3% | $5,629+273.7% | $6,690+214.4% |
| Admin fee / account holder | $9,466 | $19,327-51.0% | $15,923-40.6% | $13,400-29.4% |