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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 | $349,780 | $148,629+135.3% | $135,982+157.2% | $139,487+150.8% |
| Participation rate | 40.0% | 83.9%-43.9pp | 81.9%-41.9pp | 80.3%-40.3pp |
| Annual return | 17.73% | 79.33%-61.6pp | 68.32%-50.6pp | 373.84%-356.1pp |
| Employer contribution / active EE | $1,287 | $5,247-75.5% | $4,859-73.5% | $4,755-72.9% |
| Participant deferral / active EE | $8,111 | $8,102+0.1% | $7,760+4.5% | $6,713+20.8% |
| Admin fee / account holder | $2,649 | $12,406-78.6% | $10,767-75.4% | $11,407-76.8% |