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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 | $322,585 | $172,111+87.4% | $150,298+114.6% | $137,256+135.0% |
| Participation rate | 33.3% | 81.7%-48.4pp | 77.8%-44.4pp | 80.0%-46.6pp |
| Annual return | 17.27% | 69.37%-52.1pp | 62.79%-45.5pp | 220.34%-203.1pp |
| Employer contribution / active EE | $2,167 | $4,636-53.3% | $4,154-47.8% | $4,156-47.9% |
| Participant deferral / active EE | $4,355 | $6,166-29.4% | $5,453-20.1% | $6,407-32.0% |
| Admin fee / account holder | $4,921 | $16,471-70.1% | $14,116-65.1% | $12,270-59.9% |