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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 | $309,950 | $185,312+67.3% | $161,489+91.9% | $154,746+100.3% |
| Participation rate | 57.1% | 82.5%-25.3pp | 78.7%-21.6pp | 80.7%-23.6pp |
| Annual return | 14.26% | 103.84%-89.6pp | 89.72%-75.5pp | 172.34%-158.1pp |
| Employer contribution / active EE | $2,808 | $4,769-41.1% | $4,268-34.2% | $4,379-35.9% |
| Participant deferral / active EE | $5,394 | $6,350-15.1% | $5,630-4.2% | $6,730-19.9% |
| Admin fee / account holder | $13,093 | $18,654-29.8% | $16,006-18.2% | $14,365-8.9% |