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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 | $454,846 | $96,956+369.1% | $69,779+551.8% | $273,972+66.0% |
| Participation rate | 62.5% | 77.1%-14.6pp | 71.8%-9.3pp | 83.0%-20.5pp |
| Annual return | 8.49% | 12.93%-4.4pp | 12.99%-4.5pp | 41.46%-33.0pp |
| Employer contribution / active EE | $2,865 | $3,316-13.6% | $2,338+22.5% | $4,869-41.2% |
| Participant deferral / active EE | $5,672 | $3,744+51.5% | $2,931+93.5% | $5,287+7.3% |
| Admin fee / account holder | $548 | $7,934-93.1% | $4,381-87.5% | $10,133-94.6% |