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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 | $292,034 | $172,111+69.7% | $150,298+94.3% | $137,256+112.8% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 14.61% | 69.37%-54.8pp | 62.79%-48.2pp | 220.34%-205.7pp |
| Employer contribution / active EE | $4,878 | $4,636+5.2% | $4,154+17.4% | $4,156+17.4% |
| Participant deferral / active EE | $7,592 | $6,166+23.1% | $5,453+39.2% | $6,407+18.5% |
| Admin fee / account holder | $8,856 | $16,471-46.2% | $14,116-37.3% | $12,270-27.8% |