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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 | $139,948+103.7% | $121,663+134.4% | $154,746+84.3% |
| Participation rate | 54.5% | 78.0%-23.5pp | 74.5%-19.9pp | 80.7%-26.2pp |
| Annual return | 16.02% | 230.52%-214.5pp | 147.54%-131.5pp | 172.34%-156.3pp |
| Employer contribution / active EE | $3,367 | $3,521-4.4% | $3,020+11.5% | $4,379-23.1% |
| Participant deferral / active EE | $7,092 | $5,629+26.0% | $4,887+45.1% | $6,730+5.4% |
| Admin fee / account holder | $4,631 | $17,321-73.3% | $14,289-67.6% | $14,365-67.8% |