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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 | $271,276 | $178,174+52.3% | $156,181+73.7% | $137,256+97.6% |
| Participation rate | 57.1% | 82.0%-24.9pp | 78.8%-21.7pp | 80.0%-22.8pp |
| Annual return | 11.90% | 84.19%-72.3pp | 64.87%-53.0pp | 220.34%-208.4pp |
| Employer contribution / active EE | $1,413 | $4,972-71.6% | $4,294-67.1% | $4,156-66.0% |
| Participant deferral / active EE | $9,123 | $6,888+32.4% | $6,132+48.8% | $6,407+42.4% |
| Admin fee / account holder | $362,588 | $17,404+1983.4% | $14,586+2385.8% | $12,270+2855.0% |