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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 | $584,236 | $102,245+471.4% | $89,340+553.9% | $137,256+325.7% |
| Participation rate | 68.4% | 74.9%-6.5pp | 69.6%-1.1pp | 80.0%-11.5pp |
| Annual return | 17.64% | 21.89%-4.3pp | 20.57%-2.9pp | 220.34%-202.7pp |
| Employer contribution / active EE | $3,018 | $2,529+19.3% | $2,231+35.3% | $4,156-27.4% |
| Participant deferral / active EE | $4,984 | $4,436+12.3% | $3,823+30.4% | $6,407-22.2% |
| Admin fee / account holder | $27,510 | $8,085+240.2% | $6,704+310.4% | $12,270+124.2% |