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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 | $263,171 | $199,109+32.2% | $173,730+51.5% | $154,746+70.1% |
| Participation rate | 66.7% | 82.8%-16.1pp | 79.6%-12.9pp | 80.7%-14.0pp |
| Annual return | 15.39% | 20.02%-4.6pp | 19.96%-4.6pp | 172.34%-156.9pp |
| Employer contribution / active EE | $3,790 | $5,311-28.6% | $4,577-17.2% | $4,379-13.4% |
| Participant deferral / active EE | $10,579 | $7,113+48.7% | $6,326+67.2% | $6,730+57.2% |
| Admin fee / account holder | $11,395 | $20,916-45.5% | $17,523-35.0% | $14,365-20.7% |