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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 | $174,379+71.9% | $152,093+97.1% | $138,895+115.9% |
| Participation rate | 31.3% | 81.6%-50.4pp | 77.8%-46.5pp | 79.9%-48.7pp |
| Annual return | 17.53% | 74.86%-57.3pp | 66.36%-48.8pp | 145.39%-127.9pp |
| Employer contribution / active EE | $1,198 | $4,652-74.2% | $4,175-71.3% | $4,194-71.4% |
| Participant deferral / active EE | $2,296 | $6,159-62.7% | $5,451-57.9% | $6,396-64.1% |
| Admin fee / account holder | $2,239 | $16,880-86.7% | $14,497-84.6% | $12,562-82.2% |