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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 | $387,846 | $111,535+247.7% | $105,223+268.6% | $137,256+182.6% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 15.59% | 237.85%-222.3pp | 180.65%-165.1pp | 220.34%-204.8pp |
| Employer contribution / active EE | $3,323 | $3,939-15.6% | $3,689-9.9% | $4,156-20.0% |
| Participant deferral / active EE | $11,408 | $5,500+107.4% | $5,072+124.9% | $6,407+78.1% |
| Admin fee / account holder | $10,897 | $9,721+12.1% | $8,859+23.0% | $12,270-11.2% |