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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 | $259,319 | $111,535+132.5% | $105,223+146.4% | $137,256+88.9% |
| Participation rate | 53.3% | 78.1%-24.8pp | 75.0%-21.7pp | 80.0%-26.6pp |
| Annual return | 15.62% | 237.85%-222.2pp | 180.65%-165.0pp | 220.34%-204.7pp |
| Employer contribution / active EE | $2,649 | $3,939-32.7% | $3,689-28.2% | $4,156-36.3% |
| Participant deferral / active EE | $6,583 | $5,500+19.7% | $5,072+29.8% | $6,407+2.7% |
| Admin fee / account holder | $1,485 | $9,721-84.7% | $8,859-83.2% | $12,270-87.9% |