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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 | $349,329 | $183,627+90.2% | $155,602+124.5% | $145,978+139.3% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.6pp | 80.3%-24.7pp |
| Annual return | 10.75% | 61.32%-50.6pp | 64.81%-54.1pp | 550.52%-539.8pp |
| Employer contribution / active EE | $2,336 | $5,316-56.1% | $4,675-50.0% | $4,662-49.9% |
| Participant deferral / active EE | $8,791 | $6,466+36.0% | $5,629+56.2% | $6,690+31.4% |
| Admin fee / account holder | $2,708 | $19,327-86.0% | $15,923-83.0% | $13,400-79.8% |