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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 | $267,155 | $185,905+43.7% | $170,057+57.1% | $139,487+91.5% |
| Participation rate | 66.7% | 87.8%-21.1pp | 87.0%-20.3pp | 80.3%-13.7pp |
| Annual return | 11.55% | 60.56%-49.0pp | 53.42%-41.9pp | 373.84%-362.3pp |
| Employer contribution / active EE | $8,776 | $7,597+15.5% | $6,790+29.2% | $4,755+84.6% |
| Participant deferral / active EE | $5,498 | $11,627-52.7% | $10,411-47.2% | $6,713-18.1% |
| Admin fee / account holder | $49,187 | $15,397+219.5% | $12,826+283.5% | $11,407+331.2% |