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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 | $386,127 | $138,386+179.0% | $184,260+109.6% | $80,935+377.1% |
| Participation rate | 61.5% | 83.9%-22.4pp | 86.8%-25.3pp | 67.7%-6.1pp |
| Annual return | 12.27% | 20.02%-7.7pp | 28.84%-16.6pp | 35.66%-23.4pp |
| Employer contribution / active EE | $13,312 | $4,851+174.4% | $6,427+107.1% | $2,757+382.9% |
| Participant deferral / active EE | $22,728 | $7,076+221.2% | $9,133+148.9% | $4,299+428.6% |
| Admin fee / account holder | $73,827 | $10,489+603.9% | $13,898+431.2% | $6,924+966.2% |