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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 | $272,271 | $215,361+26.4% | $171,082+59.1% | $273,972-0.6% |
| Participation rate | 55.6% | 82.0%-26.5pp | 76.7%-21.1pp | 83.0%-27.5pp |
| Annual return | 5.54% | 25.14%-19.6pp | 32.56%-27.0pp | 41.46%-35.9pp |
| Employer contribution / active EE | $8,749 | $4,967+76.1% | $4,002+118.6% | $4,869+79.7% |
| Participant deferral / active EE | $6,114 | $5,543+10.3% | $4,797+27.4% | $5,287+15.6% |
| Admin fee / account holder | $9,973 | $10,846-8.1% | $8,520+17.1% | $10,133-1.6% |