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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 | $339,865 | $172,111+97.5% | $150,298+126.1% | $137,256+147.6% |
| Participation rate | 50.0% | 81.7%-31.7pp | 77.8%-27.8pp | 80.0%-30.0pp |
| Annual return | 17.33% | 69.37%-52.0pp | 62.79%-45.5pp | 220.34%-203.0pp |
| Employer contribution / active EE | $1,408 | $4,636-69.6% | $4,154-66.1% | $4,156-66.1% |
| Participant deferral / active EE | $8,075 | $6,166+31.0% | $5,453+48.1% | $6,407+26.0% |
| Admin fee / account holder | $2,945 | $16,471-82.1% | $14,116-79.1% | $12,270-76.0% |