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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 | $274,293 | $76,407+259.0% | $150,298+82.5% | $82,448+232.7% |
| Participation rate | 62.8% | 66.4%-3.6pp | 77.8%-15.0pp | 68.1%-5.3pp |
| Annual return | 13.78% | 39.99%-26.2pp | 62.79%-49.0pp | 41.64%-27.9pp |
| Employer contribution / active EE | $1,360 | $2,614-48.0% | $4,154-67.3% | $2,551-46.7% |
| Participant deferral / active EE | $5,416 | $3,214+68.5% | $5,453-0.7% | $4,139+30.8% |
| Admin fee / account holder | $41,583 | $6,352+554.7% | $14,116+194.6% | $7,234+474.8% |