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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 | $350,029 | $112,729+210.5% | $98,716+254.6% | $137,256+155.0% |
| Participation rate | 42.9% | 74.2%-31.4pp | 69.3%-26.4pp | 80.0%-37.1pp |
| Annual return | 11.06% | 38.48%-27.4pp | 31.81%-20.7pp | 220.34%-209.3pp |
| Employer contribution / active EE | $1,857 | $2,725-31.8% | $2,279-18.5% | $4,156-55.3% |
| Participant deferral / active EE | $2,423 | $4,640-47.8% | $4,048-40.1% | $6,407-62.2% |
| Admin fee / account holder | $14,558 | $10,129+43.7% | $8,703+67.3% | $12,270+18.6% |