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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 | $213,785+23.1% | $185,441+41.9% | $155,188+69.6% |
| Participation rate | 66.7% | 83.2%-16.6pp | 80.3%-13.6pp | 80.8%-14.1pp |
| Annual return | 15.39% | 19.97%-4.6pp | 20.16%-4.8pp | 148.84%-133.4pp |
| Employer contribution / active EE | $3,790 | $5,393-29.7% | $4,672-18.9% | $4,248-10.8% |
| Participant deferral / active EE | $10,579 | $6,864+54.1% | $6,152+72.0% | $6,531+62.0% |
| Admin fee / account holder | $11,395 | $21,134-46.1% | $17,890-36.3% | $14,480-21.3% |