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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 | $358,547 | $172,111+108.3% | $150,298+138.6% | $137,256+161.2% |
| Participation rate | 60.0% | 81.7%-21.7pp | 77.8%-17.8pp | 80.0%-20.0pp |
| Annual return | 19.70% | 69.37%-49.7pp | 62.79%-43.1pp | 220.34%-200.6pp |
| Employer contribution / active EE | $1,668 | $4,636-64.0% | $4,154-59.9% | $4,156-59.9% |
| Participant deferral / active EE | $10,436 | $6,166+69.3% | $5,453+91.4% | $6,407+62.9% |
| Admin fee / account holder | $4,660 | $16,471-71.7% | $14,116-67.0% | $12,270-62.0% |