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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 | $271,816 | $167,533+62.2% | $151,645+79.2% | $134,545+102.0% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.5%-37.5pp | 81.2%-31.2pp |
| Annual return | 4.37% | 7.81%-3.4pp | 3.34%+1.0pp | 418.37%-414.0pp |
| Employer contribution / active EE | $2,908 | $6,828-57.4% | $6,165-52.8% | $4,742-38.7% |
| Participant deferral / active EE | $38,097 | $8,985+324.0% | $8,363+355.6% | $6,401+495.1% |
| Admin fee / account holder | $11,638 | $13,781-15.5% | $11,614+0.2% | $11,431+1.8% |