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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 | $322,736 | $54,541+491.7% | $78,778+309.7% | $70,126+360.2% |
| Participation rate | 57.7% | 60.8%-3.1pp | 69.2%-11.5pp | 69.5%-11.8pp |
| Annual return | 14.41% | 21.07%-6.7pp | 35.62%-21.2pp | 73.15%-58.7pp |
| Employer contribution / active EE | $1,421 | $1,089+30.5% | $1,986-28.5% | $2,343-39.4% |
| Participant deferral / active EE | $3,507 | $2,210+58.7% | $2,958+18.5% | $3,332+5.2% |
| Admin fee / account holder | $7,696 | $3,709+107.5% | $5,134+49.9% | $4,645+65.7% |