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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 | $325,869 | $227,399+43.3% | $189,758+71.7% | $198,609+64.1% |
| Participation rate | 62.5% | 84.0%-21.5pp | 79.8%-17.3pp | 82.4%-19.9pp |
| Annual return | 14.97% | 61.03%-46.1pp | 52.62%-37.7pp | 202.70%-187.7pp |
| Employer contribution / active EE | $2,082 | $5,526-62.3% | $4,767-56.3% | $5,055-58.8% |
| Participant deferral / active EE | $10,008 | $6,837+46.4% | $5,856+70.9% | $6,977+43.4% |
| Admin fee / account holder | $1,883 | $25,162-92.5% | $20,388-90.8% | $19,030-90.1% |