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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 | $392,785 | $178,174+120.4% | $156,181+151.5% | $137,256+186.2% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.8%-28.8pp | 80.0%-30.0pp |
| Annual return | 14.39% | 84.19%-69.8pp | 64.87%-50.5pp | 220.34%-206.0pp |
| Employer contribution / active EE | $2,188 | $4,972-56.0% | $4,294-49.1% | $4,156-47.4% |
| Participant deferral / active EE | $2,149 | $6,888-68.8% | $6,132-65.0% | $6,407-66.5% |
| Admin fee / account holder | $17,835 | $17,404+2.5% | $14,586+22.3% | $12,270+45.3% |