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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 | $397,895 | $181,896+118.7% | $156,551+154.2% | $273,972+45.2% |
| Participation rate | 40.0% | 88.4%-48.4pp | 84.0%-44.0pp | 83.0%-43.0pp |
| Annual return | 3.92% | 30.74%-26.8pp | 32.23%-28.3pp | 41.46%-37.5pp |
| Employer contribution / active EE | $11,304 | $6,248+80.9% | $5,501+105.5% | $4,869+132.2% |
| Participant deferral / active EE | $7,639 | $5,550+37.6% | $4,871+56.8% | $5,287+44.5% |
| Admin fee / account holder | $2,214 | $15,560-85.8% | $13,028-83.0% | $10,133-78.1% |