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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 | $306,382 | $162,136+89.0% | $152,301+101.2% | $154,746+98.0% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 14.31% | 91.02%-76.7pp | 80.50%-66.2pp | 172.34%-158.0pp |
| Employer contribution / active EE | $3,379 | $4,890-30.9% | $4,624-26.9% | $4,379-22.8% |
| Participant deferral / active EE | $10,631 | $8,341+27.5% | $8,004+32.8% | $6,730+57.9% |
| Admin fee / account holder | $87,853 | $15,759+457.5% | $14,398+510.2% | $14,365+511.6% |