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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 | $471,074 | $99,345+374.2% | $84,753+455.8% | $273,972+71.9% |
| Participation rate | 63.6% | 80.7%-17.1pp | 76.6%-13.0pp | 83.0%-19.4pp |
| Annual return | 9.95% | 22.93%-13.0pp | 22.78%-12.8pp | 41.46%-31.5pp |
| Employer contribution / active EE | $7,432 | $4,214+76.4% | $3,574+107.9% | $4,869+52.6% |
| Participant deferral / active EE | $5,017 | $4,270+17.5% | $3,712+35.2% | $5,287-5.1% |
| Admin fee / account holder | $5,929 | $6,645-10.8% | $5,333+11.2% | $10,133-41.5% |