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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 | $371,851 | $65,084+471.3% | $67,681+449.4% | $64,340+477.9% |
| Participation rate | 39.5% | 66.7%-27.2pp | 73.7%-34.2pp | 55.2%-15.8pp |
| Annual return | 12.22% | 20.50%-8.3pp | 590.58%-578.4pp | 24.14%-11.9pp |
| Employer contribution / active EE | $1,681 | $2,398-29.9% | $2,678-37.2% | $1,862-9.7% |
| Participant deferral / active EE | $4,147 | $3,210+29.2% | $3,976+4.3% | $2,980+39.1% |
| Admin fee / account holder | $2,727 | $1,415+92.7% | $6,100-55.3% | $3,703-26.3% |