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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 | $172,111+113.0% | $150,298+143.9% | $137,256+167.0% |
| Participation rate | 38.9% | 81.7%-42.8pp | 77.8%-38.9pp | 80.0%-41.1pp |
| Annual return | 15.59% | 69.37%-53.8pp | 62.79%-47.2pp | 220.34%-204.7pp |
| Employer contribution / active EE | $1,184 | $4,636-74.5% | $4,154-71.5% | $4,156-71.5% |
| Participant deferral / active EE | $4,459 | $6,166-27.7% | $5,453-18.2% | $6,407-30.4% |
| Admin fee / account holder | $37,920 | $16,471+130.2% | $14,116+168.6% | $12,270+209.0% |