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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 | $185,312+134.2% | $161,489+168.7% | $154,746+180.4% |
| Participation rate | 28.6% | 82.5%-53.9pp | 78.7%-50.1pp | 80.7%-52.1pp |
| Annual return | 16.11% | 103.84%-87.7pp | 89.72%-73.6pp | 172.34%-156.2pp |
| Employer contribution / active EE | $1,666 | $4,769-65.1% | $4,268-61.0% | $4,379-62.0% |
| Participant deferral / active EE | $3,480 | $6,350-45.2% | $5,630-38.2% | $6,730-48.3% |
| Admin fee / account holder | $10,599 | $18,654-43.2% | $16,006-33.8% | $14,365-26.2% |