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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 | $329,728 | $148,623+121.9% | $135,974+142.5% | $139,466+136.4% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 15.34% | 79.30%-64.0pp | 68.30%-53.0pp | 373.66%-358.3pp |
| Employer contribution / active EE | $3,439 | $5,246-34.4% | $4,859-29.2% | $4,754-27.7% |
| Participant deferral / active EE | $10,158 | $8,103+25.4% | $7,760+30.9% | $6,712+51.3% |
| Admin fee / account holder | $25,595 | $12,406+106.3% | $10,767+137.7% | $11,409+124.4% |