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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 | $297,029 | $78,670+277.6% | $109,173+172.1% | $85,847+246.0% |
| Participation rate | 45.2% | 68.3%-23.1pp | 75.9%-30.7pp | 69.3%-24.2pp |
| Annual return | 17.08% | 25.09%-8.0pp | 25.75%-8.7pp | 318.61%-301.5pp |
| Employer contribution / active EE | $2,692 | $2,734-1.5% | $3,723-27.7% | $2,565+4.9% |
| Participant deferral / active EE | $7,208 | $3,467+107.9% | $4,654+54.9% | $3,952+82.4% |
| Admin fee / account holder | $5,145 | $5,469-5.9% | $6,755-23.8% | $6,261-17.8% |