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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 | $81,276+234.1% | $155,574+74.6% | $80,925+235.6% |
| Participation rate | 63.9% | 66.2%-2.4pp | 78.2%-14.3pp | 67.7%-3.8pp |
| Annual return | 12.90% | 33.36%-20.5pp | 64.87%-52.0pp | 35.65%-22.7pp |
| Employer contribution / active EE | $17,225 | $3,103+455.1% | $4,676+268.4% | $2,756+525.0% |
| Participant deferral / active EE | $28,478 | $3,453+724.8% | $5,629+405.9% | $4,299+562.5% |
| Admin fee / account holder | $102,367 | $7,993+1180.6% | $15,914+543.2% | $6,940+1375.0% |