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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 | $88,672+251.9% | $105,223+196.5% | $82,448+278.4% |
| Participation rate | 37.5% | 67.9%-30.4pp | 75.0%-37.5pp | 68.1%-30.6pp |
| Annual return | 15.08% | 30.86%-15.8pp | 180.65%-165.6pp | 41.64%-26.6pp |
| Employer contribution / active EE | $3,869 | $3,048+26.9% | $3,689+4.9% | $2,551+51.7% |
| Participant deferral / active EE | $6,687 | $4,036+65.7% | $5,072+31.9% | $4,139+61.6% |
| Admin fee / account holder | $26,568 | $7,146+271.8% | $8,859+199.9% | $7,234+267.2% |