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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 | $366,525 | $185,312+97.8% | $161,489+127.0% | $154,746+136.9% |
| Participation rate | 38.9% | 82.5%-43.6pp | 78.7%-39.8pp | 80.7%-41.8pp |
| Annual return | 15.59% | 103.84%-88.2pp | 89.72%-74.1pp | 172.34%-156.7pp |
| Employer contribution / active EE | $1,184 | $4,769-75.2% | $4,268-72.3% | $4,379-73.0% |
| Participant deferral / active EE | $4,459 | $6,350-29.8% | $5,630-20.8% | $6,730-33.7% |
| Admin fee / account holder | $37,920 | $18,654+103.3% | $16,006+136.9% | $14,365+164.0% |