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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 | $258,771 | $75,541+242.6% | $152,093+70.1% | $82,637+213.1% |
| Participation rate | 67.9% | 66.5%+1.3pp | 77.8%-9.9pp | 68.1%-0.2pp |
| Annual return | 18.38% | 32.56%-14.2pp | 66.36%-48.0pp | 53.51%-35.1pp |
| Employer contribution / active EE | $2,836 | $2,622+8.1% | $4,175-32.1% | $2,552+11.1% |
| Participant deferral / active EE | $6,507 | $3,206+103.0% | $5,451+19.4% | $4,126+57.7% |
| Admin fee / account holder | $7,968 | $6,405+24.4% | $14,497-45.0% | $7,339+8.6% |