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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 | $335,175 | $228,352+46.8% | $185,835+80.4% | $158,966+110.8% |
| Participation rate | 50.0% | 82.3%-32.3pp | 78.0%-28.0pp | 82.0%-32.0pp |
| Annual return | 10.87% | 40.81%-29.9pp | 35.96%-25.1pp | 302.95%-292.1pp |
| Employer contribution / active EE | $3,430 | $4,967-30.9% | $4,087-16.1% | $4,762-28.0% |
| Participant deferral / active EE | $7,114 | $6,416+10.9% | $5,633+26.3% | $5,983+18.9% |
| Admin fee / account holder | $1,603 | $11,867-86.5% | $9,502-83.1% | $11,250-85.8% |