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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 | $181,062+78.2% | $158,223+103.9% | $155,188+107.9% |
| Participation rate | 33.3% | 82.7%-49.3pp | 79.2%-45.9pp | 80.8%-47.5pp |
| Annual return | 17.27% | 57.39%-40.1pp | 52.09%-34.8pp | 148.84%-131.6pp |
| Employer contribution / active EE | $2,167 | $4,565-52.5% | $4,109-47.3% | $4,248-49.0% |
| Participant deferral / active EE | $4,355 | $6,134-29.0% | $5,467-20.3% | $6,531-33.3% |
| Admin fee / account holder | $4,921 | $18,825-73.9% | $16,047-69.3% | $14,480-66.0% |