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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 | $342,779 | $155,555+120.4% | $146,866+133.4% | $155,188+120.9% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.5%-32.5pp | 80.8%-30.8pp |
| Annual return | 16.47% | 115.41%-98.9pp | 102.85%-86.4pp | 148.84%-132.4pp |
| Employer contribution / active EE | $1,655 | $4,647-64.4% | $4,425-62.6% | $4,248-61.0% |
| Participant deferral / active EE | $7,891 | $8,044-1.9% | $7,759+1.7% | $6,531+20.8% |
| Admin fee / account holder | $25,599 | $14,755+73.5% | $13,620+87.9% | $14,480+76.8% |