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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 | $324,877 | $196,972+64.9% | $182,262+78.2% | $198,609+63.6% |
| Participation rate | 68.8% | 85.7%-16.9pp | 84.2%-15.5pp | 82.4%-13.6pp |
| Annual return | 16.20% | 158.27%-142.1pp | 140.60%-124.4pp | 202.70%-186.5pp |
| Employer contribution / active EE | $4,295 | $5,364-19.9% | $5,046-14.9% | $5,055-15.0% |
| Participant deferral / active EE | $9,533 | $8,643+10.3% | $8,276+15.2% | $6,977+36.6% |
| Admin fee / account holder | $16,994 | $18,429-7.8% | $16,712+1.7% | $19,030-10.7% |