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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 | $184,014+113.5% | $161,149+143.7% | $138,895+182.8% |
| Participation rate | 50.0% | 82.1%-32.1pp | 78.8%-28.8pp | 79.9%-29.9pp |
| Annual return | 14.39% | 21.52%-7.1pp | 21.16%-6.8pp | 145.39%-131.0pp |
| Employer contribution / active EE | $2,188 | $5,055-56.7% | $4,360-49.8% | $4,194-47.8% |
| Participant deferral / active EE | $2,149 | $6,909-68.9% | $6,153-65.1% | $6,396-66.4% |
| Admin fee / account holder | $17,835 | $18,027-1.1% | $15,194+17.4% | $12,562+42.0% |