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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 | $499,785 | $181,896+174.8% | $156,551+219.2% | $273,972+82.4% |
| Participation rate | 44.4% | 88.4%-43.9pp | 84.0%-39.6pp | 83.0%-38.6pp |
| Annual return | 8.61% | 30.74%-22.1pp | 32.23%-23.6pp | 41.46%-32.8pp |
| Employer contribution / active EE | $2,626 | $6,248-58.0% | $5,501-52.3% | $4,869-46.1% |
| Participant deferral / active EE | $5,276 | $5,550-4.9% | $4,871+8.3% | $5,287-0.2% |
| Admin fee / account holder | $7,524 | $15,560-51.6% | $13,028-42.2% | $10,133-25.7% |