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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 | $392,702 | $155,555+152.5% | $146,866+167.4% | $155,188+153.0% |
| Participation rate | 54.5% | 84.0%-29.4pp | 82.5%-28.0pp | 80.8%-26.3pp |
| Annual return | 15.36% | 115.41%-100.1pp | 102.85%-87.5pp | 148.84%-133.5pp |
| Employer contribution / active EE | $3,616 | $4,647-22.2% | $4,425-18.3% | $4,248-14.9% |
| Participant deferral / active EE | $13,099 | $8,044+62.8% | $7,759+68.8% | $6,531+100.6% |
| Admin fee / account holder | $15,153 | $14,755+2.7% | $13,620+11.3% | $14,480+4.7% |