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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 | $257,847 | $117,895+118.7% | $102,460+151.7% | $145,897+76.7% |
| Participation rate | 65.2% | 78.6%-13.4pp | 76.5%-11.3pp | 80.3%-15.1pp |
| Annual return | 14.08% | 31.92%-17.8pp | 29.47%-15.4pp | 552.29%-538.2pp |
| Employer contribution / active EE | $3,790 | $3,619+4.7% | $3,025+25.3% | $4,663-18.7% |
| Participant deferral / active EE | $6,220 | $5,736+8.4% | $5,056+23.0% | $6,689-7.0% |
| Admin fee / account holder | $31,905 | $13,353+138.9% | $9,460+237.3% | $13,390+138.3% |