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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 | $294,776 | $172,111+71.3% | $150,298+96.1% | $137,256+114.8% |
| Participation rate | 27.3% | 81.7%-54.4pp | 77.8%-50.5pp | 80.0%-52.7pp |
| Annual return | 15.30% | 69.37%-54.1pp | 62.79%-47.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $1,345 | $4,636-71.0% | $4,154-67.6% | $4,156-67.6% |
| Participant deferral / active EE | $2,891 | $6,166-53.1% | $5,453-47.0% | $6,407-54.9% |
| Admin fee / account holder | $3,269 | $16,471-80.2% | $14,116-76.8% | $12,270-73.4% |