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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 | $377,037 | $174,379+116.2% | $152,093+147.9% | $138,895+171.5% |
| Participation rate | 66.7% | 81.6%-15.0pp | 77.8%-11.1pp | 79.9%-13.3pp |
| Annual return | 19.69% | 74.86%-55.2pp | 66.36%-46.7pp | 145.39%-125.7pp |
| Employer contribution / active EE | $1,474 | $4,652-68.3% | $4,175-64.7% | $4,194-64.9% |
| Participant deferral / active EE | $6,029 | $6,159-2.1% | $5,451+10.6% | $6,396-5.7% |
| Admin fee / account holder | $33,814 | $16,880+100.3% | $14,497+133.3% | $12,562+169.2% |