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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 | $181,062+65.6% | $158,223+89.5% | $155,188+93.2% |
| Participation rate | 31.3% | 82.7%-51.4pp | 79.2%-48.0pp | 80.8%-49.6pp |
| Annual return | 17.53% | 57.39%-39.9pp | 52.09%-34.6pp | 148.84%-131.3pp |
| Employer contribution / active EE | $1,198 | $4,565-73.8% | $4,109-70.8% | $4,248-71.8% |
| Participant deferral / active EE | $2,296 | $6,134-62.6% | $5,467-58.0% | $6,531-64.8% |
| Admin fee / account holder | $2,239 | $18,825-88.1% | $16,047-86.0% | $14,480-84.5% |