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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 | $256,029 | $114,119+124.4% | $107,187+138.9% | $138,895+84.3% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 79.9%-29.9pp |
| Annual return | 12.44% | 273.21%-260.8pp | 204.55%-192.1pp | 145.39%-133.0pp |
| Employer contribution / active EE | $1,771 | $4,059-56.4% | $3,782-53.2% | $4,194-57.8% |
| Participant deferral / active EE | $9,414 | $5,538+70.0% | $5,096+84.7% | $6,396+47.2% |
| Admin fee / account holder | $31,734 | $10,024+216.6% | $9,162+246.4% | $12,562+152.6% |