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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 | $433,950 | $174,379+148.9% | $152,093+185.3% | $138,895+212.4% |
| Participation rate | 28.6% | 81.6%-53.1pp | 77.8%-49.2pp | 79.9%-51.3pp |
| Annual return | 16.11% | 74.86%-58.7pp | 66.36%-50.2pp | 145.39%-129.3pp |
| Employer contribution / active EE | $1,666 | $4,652-64.2% | $4,175-60.1% | $4,194-60.3% |
| Participant deferral / active EE | $3,480 | $6,159-43.5% | $5,451-36.2% | $6,396-45.6% |
| Admin fee / account holder | $10,599 | $16,880-37.2% | $14,497-26.9% | $12,562-15.6% |