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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 | $373,201 | $151,427+146.5% | $112,860+230.7% | $154,746+141.2% |
| Participation rate | 66.7% | 69.1%-2.5pp | 66.3%+0.3pp | 80.7%-14.0pp |
| Annual return | 13.82% | 30.95%-17.1pp | 35.26%-21.4pp | 172.34%-158.5pp |
| Employer contribution / active EE | $3,588 | $2,750+30.5% | $2,206+62.6% | $4,379-18.1% |
| Participant deferral / active EE | $6,221 | $4,285+45.2% | $3,493+78.1% | $6,730-7.6% |
| Admin fee / account holder | $118,994 | $7,369+1514.9% | $6,841+1639.3% | $14,365+728.3% |