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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 | $172,111+49.4% | $150,298+71.0% | $137,256+87.3% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | 21.39% | 69.37%-48.0pp | 62.79%-41.4pp | 220.34%-199.0pp |
| Employer contribution / active EE | $9,196 | $4,636+98.3% | $4,154+121.4% | $4,156+121.3% |
| Participant deferral / active EE | $4,515 | $6,166-26.8% | $5,453-17.2% | $6,407-29.5% |
| Admin fee / account holder | $3,215 | $16,471-80.5% | $14,116-77.2% | $12,270-73.8% |