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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 | $174,379+69.0% | $152,093+93.8% | $138,895+112.2% |
| Participation rate | 27.3% | 81.6%-54.4pp | 77.8%-50.5pp | 79.9%-52.6pp |
| Annual return | 15.30% | 74.86%-59.6pp | 66.36%-51.1pp | 145.39%-130.1pp |
| Employer contribution / active EE | $1,345 | $4,652-71.1% | $4,175-67.8% | $4,194-67.9% |
| Participant deferral / active EE | $2,891 | $6,159-53.1% | $5,451-47.0% | $6,396-54.8% |
| Admin fee / account holder | $3,269 | $16,880-80.6% | $14,497-77.4% | $12,562-74.0% |