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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 | $1,384,572 | $107,666+1186.0% | $102,184+1255.0% | $154,746+794.7% |
| Participation rate | 50.0% | 83.7%-33.7pp | 82.6%-32.6pp | 80.7%-30.7pp |
| Annual return | 14.02% | 29.33%-15.3pp | 31.58%-17.6pp | 172.34%-158.3pp |
| Employer contribution / active EE | $2,182 | $3,846-43.3% | $3,594-39.3% | $4,379-50.2% |
| Participant deferral / active EE | $15,575 | $8,719+78.6% | $8,309+87.4% | $6,730+131.4% |
| Admin fee / account holder | $31,806 | $12,943+145.7% | $11,609+174.0% | $14,365+121.4% |