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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 | $185,312+57.6% | $161,489+80.8% | $154,746+88.7% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 14.61% | 103.84%-89.2pp | 89.72%-75.1pp | 172.34%-157.7pp |
| Employer contribution / active EE | $4,878 | $4,769+2.3% | $4,268+14.3% | $4,379+11.4% |
| Participant deferral / active EE | $7,592 | $6,350+19.6% | $5,630+34.9% | $6,730+12.8% |
| Admin fee / account holder | $8,856 | $18,654-52.5% | $16,006-44.7% | $14,365-38.4% |