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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 | $312,019 | $105,284+196.4% | $150,734+107.0% | $94,015+231.9% |
| Participation rate | 37.5% | 71.7%-34.2pp | 78.4%-40.9pp | 70.8%-33.3pp |
| Annual return | 15.08% | 15.67%-0.6pp | 600.81%-585.7pp | 17.84%-2.8pp |
| Employer contribution / active EE | $3,869 | $3,599+7.5% | $4,918-21.3% | $2,790+38.7% |
| Participant deferral / active EE | $6,687 | $4,274+56.5% | $5,610+19.2% | $4,249+57.4% |
| Admin fee / account holder | $26,568 | $9,839+170.0% | $14,905+78.2% | $8,951+196.8% |