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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 | $602,757 | $100,970+497.0% | $96,576+524.1% | $137,256+339.1% |
| Participation rate | 42.9% | 82.6%-39.8pp | 81.4%-38.6pp | 80.0%-37.1pp |
| Annual return | 18.30% | 38.16%-19.9pp | 38.47%-20.2pp | 220.34%-202.0pp |
| Employer contribution / active EE | $1,707 | $3,809-55.2% | $3,553-52.0% | $4,156-58.9% |
| Participant deferral / active EE | $5,371 | $8,286-35.2% | $7,956-32.5% | $6,407-16.2% |
| Admin fee / account holder | $3,784 | $11,312-66.6% | $11,381-66.8% | $12,270-69.2% |