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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 | $282,675 | $46,534+507.5% | $64,097+341.0% | $75,177+276.0% |
| Participation rate | 45.3% | 65.9%-20.7pp | 72.3%-27.1pp | 67.2%-21.9pp |
| Annual return | 13.49% | 26.07%-12.6pp | 33.75%-20.3pp | 160.75%-147.3pp |
| Employer contribution / active EE | $3,158 | $1,976+59.8% | $2,750+14.8% | $2,671+18.2% |
| Participant deferral / active EE | $4,351 | $2,835+53.5% | $3,881+12.1% | $4,126+5.5% |
| Admin fee / account holder | $5,201 | $2,957+75.9% | $3,070+69.4% | $5,651-8.0% |