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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 | $299,836 | $185,312+61.8% | $161,489+85.7% | $154,746+93.8% |
| Participation rate | 31.3% | 82.5%-51.2pp | 78.7%-47.4pp | 80.7%-49.5pp |
| Annual return | 17.53% | 103.84%-86.3pp | 89.72%-72.2pp | 172.34%-154.8pp |
| Employer contribution / active EE | $1,198 | $4,769-74.9% | $4,268-71.9% | $4,379-72.6% |
| Participant deferral / active EE | $2,296 | $6,350-63.8% | $5,630-59.2% | $6,730-65.9% |
| Admin fee / account holder | $2,239 | $18,654-88.0% | $16,006-86.0% | $14,365-84.4% |