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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 | $257,084 | $181,062+42.0% | $158,223+62.5% | $155,188+65.7% |
| Participation rate | 62.5% | 82.7%-20.2pp | 79.2%-16.7pp | 80.8%-18.3pp |
| Annual return | 21.39% | 57.39%-36.0pp | 52.09%-30.7pp | 148.84%-127.5pp |
| Employer contribution / active EE | $9,196 | $4,565+101.5% | $4,109+123.8% | $4,248+116.5% |
| Participant deferral / active EE | $4,515 | $6,134-26.4% | $5,467-17.4% | $6,531-30.9% |
| Admin fee / account holder | $3,215 | $18,825-82.9% | $16,047-80.0% | $14,480-77.8% |