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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 | $306,648 | $146,267+109.6% | $197,124+55.6% | $82,448+271.9% |
| Participation rate | 68.4% | 84.0%-15.6pp | 86.7%-18.3pp | 68.1%+0.4pp |
| Annual return | 20.48% | 29.61%-9.1pp | 44.34%-23.9pp | 41.64%-21.2pp |
| Employer contribution / active EE | $6,837 | $4,723+44.7% | $6,227+9.8% | $2,551+168.0% |
| Participant deferral / active EE | $14,404 | $7,035+104.8% | $9,135+57.7% | $4,139+248.0% |
| Admin fee / account holder | $33,033 | $14,422+129.1% | $16,298+102.7% | $7,234+356.6% |