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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 | $343,786 | $149,040+130.7% | $120,225+186.0% | $137,256+150.5% |
| Participation rate | 57.1% | 75.4%-18.3pp | 69.6%-12.4pp | 80.0%-22.8pp |
| Annual return | 17.09% | 605.68%-588.6pp | 439.23%-422.1pp | 220.34%-203.2pp |
| Employer contribution / active EE | $3,077 | $4,350-29.3% | $3,475-11.5% | $4,156-26.0% |
| Participant deferral / active EE | $5,067 | $4,655+8.9% | $3,999+26.7% | $6,407-20.9% |
| Admin fee / account holder | $8,809 | $6,348+38.8% | $5,696+54.6% | $12,270-28.2% |