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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 | $332,955 | $115,225+189.0% | $100,712+230.6% | $138,895+139.7% |
| Participation rate | 21.4% | 74.3%-52.9pp | 69.3%-47.8pp | 79.9%-58.5pp |
| Annual return | 10.26% | 40.35%-30.1pp | 33.27%-23.0pp | 145.39%-135.1pp |
| Employer contribution / active EE | $581 | $2,771-79.0% | $2,313-74.9% | $4,194-86.2% |
| Participant deferral / active EE | $4,471 | $4,699-4.9% | $4,085+9.4% | $6,396-30.1% |
| Admin fee / account holder | $4,640 | $10,844-57.2% | $9,256-49.9% | $12,562-63.1% |