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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 | $382,033 | $181,062+111.0% | $158,223+141.5% | $155,188+146.2% |
| Participation rate | 35.7% | 82.7%-46.9pp | 79.2%-43.5pp | 80.8%-45.1pp |
| Annual return | 9.40% | 57.39%-48.0pp | 52.09%-42.7pp | 148.84%-139.4pp |
| Employer contribution / active EE | $1,459 | $4,565-68.0% | $4,109-64.5% | $4,248-65.7% |
| Participant deferral / active EE | $2,264 | $6,134-63.1% | $5,467-58.6% | $6,531-65.3% |
| Admin fee / account holder | $5,302 | $18,825-71.8% | $16,047-67.0% | $14,480-63.4% |