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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 | $285,130 | $177,595+60.6% | $148,496+92.0% | $198,609+43.6% |
| Participation rate | 54.5% | 79.3%-24.7pp | 76.0%-21.5pp | 82.4%-27.8pp |
| Annual return | 16.02% | 9.97%+6.1pp | 12.33%+3.7pp | 202.70%-186.7pp |
| Employer contribution / active EE | $3,367 | $4,098-17.8% | $3,497-3.7% | $5,055-33.4% |
| Participant deferral / active EE | $7,092 | $5,539+28.0% | $4,808+47.5% | $6,977+1.6% |
| Admin fee / account holder | $4,631 | $27,010-82.9% | $19,547-76.3% | $19,030-75.7% |