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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 | $326,284 | $201,259+62.1% | $184,200+77.1% | $145,959+123.5% |
| Participation rate | 66.7% | 87.5%-20.8pp | 86.8%-20.2pp | 80.3%-13.6pp |
| Annual return | 17.83% | 28.98%-11.2pp | 28.80%-11.0pp | 561.95%-544.1pp |
| Employer contribution / active EE | $2,715 | $7,018-61.3% | $6,424-57.7% | $4,661-41.8% |
| Participant deferral / active EE | $8,894 | $9,806-9.3% | $9,132-2.6% | $6,689+33.0% |
| Admin fee / account holder | $3,120 | $16,372-80.9% | $13,907-77.6% | $13,398-76.7% |