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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 | $174,379+47.4% | $152,093+69.0% | $138,895+85.1% |
| Participation rate | 62.5% | 81.6%-19.1pp | 77.8%-15.3pp | 79.9%-17.4pp |
| Annual return | 21.39% | 74.86%-53.5pp | 66.36%-45.0pp | 145.39%-124.0pp |
| Employer contribution / active EE | $9,196 | $4,652+97.7% | $4,175+120.3% | $4,194+119.2% |
| Participant deferral / active EE | $4,515 | $6,159-26.7% | $5,451-17.2% | $6,396-29.4% |
| Admin fee / account holder | $3,215 | $16,880-81.0% | $14,497-77.8% | $12,562-74.4% |