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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 | $271,555 | $81,358+233.8% | $155,556+74.6% | $80,959+235.4% |
| Participation rate | 63.9% | 66.3%-2.4pp | 78.2%-14.3pp | 67.7%-3.8pp |
| Annual return | 12.90% | 33.39%-20.5pp | 64.84%-51.9pp | 35.67%-22.8pp |
| Employer contribution / active EE | $17,225 | $3,106+454.5% | $4,675+268.4% | $2,757+524.7% |
| Participant deferral / active EE | $28,478 | $3,455+724.2% | $5,631+405.8% | $4,300+562.2% |
| Admin fee / account holder | $102,367 | $7,994+1180.6% | $15,885+544.4% | $6,925+1378.2% |