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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 | $181,062+139.7% | $158,223+174.3% | $155,188+179.6% |
| Participation rate | 28.6% | 82.7%-54.1pp | 79.2%-50.6pp | 80.8%-52.2pp |
| Annual return | 16.11% | 57.39%-41.3pp | 52.09%-36.0pp | 148.84%-132.7pp |
| Employer contribution / active EE | $1,666 | $4,565-63.5% | $4,109-59.4% | $4,248-60.8% |
| Participant deferral / active EE | $3,480 | $6,134-43.3% | $5,467-36.4% | $6,531-46.7% |
| Admin fee / account holder | $10,599 | $18,825-43.7% | $16,047-34.0% | $14,480-26.8% |