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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 | $261,802 | $199,109+31.5% | $173,730+50.7% | $154,746+69.2% |
| Participation rate | 34.8% | 82.8%-48.0pp | 79.6%-44.8pp | 80.7%-45.9pp |
| Annual return | 17.76% | 20.02%-2.3pp | 19.96%-2.2pp | 172.34%-154.6pp |
| Employer contribution / active EE | $1,425 | $5,311-73.2% | $4,577-68.9% | $4,379-67.4% |
| Participant deferral / active EE | $6,122 | $7,113-13.9% | $6,326-3.2% | $6,730-9.0% |
| Admin fee / account holder | $3,473 | $20,916-83.4% | $17,523-80.2% | $14,365-75.8% |