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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 | $289,002 | $106,524+171.3% | $152,301+89.8% | $87,485+230.3% |
| Participation rate | 67.9% | 75.8%-7.9pp | 82.4%-14.6pp | 68.9%-1.1pp |
| Annual return | 16.34% | 26.89%-10.6pp | 80.50%-64.2pp | 26.06%-9.7pp |
| Employer contribution / active EE | $2,861 | $3,371-15.1% | $4,624-38.1% | $2,596+10.2% |
| Participant deferral / active EE | $6,273 | $6,525-3.9% | $8,004-21.6% | $4,274+46.8% |
| Admin fee / account holder | $32,681 | $8,287+294.4% | $14,398+127.0% | $7,775+320.3% |