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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 | $280,949 | $84,953+230.7% | $163,379+72.0% | $82,637+240.0% |
| Participation rate | 60.5% | 65.9%-5.5pp | 76.8%-16.4pp | 68.1%-7.6pp |
| Annual return | 24.85% | 23.07%+1.8pp | 63.41%-38.6pp | 53.51%-28.7pp |
| Employer contribution / active EE | $5,771 | $2,183+164.4% | $3,752+53.8% | $2,552+126.1% |
| Participant deferral / active EE | $7,029 | $4,326+62.5% | $6,282+11.9% | $4,126+70.4% |
| Admin fee / account holder | $35,100 | $7,921+343.1% | $9,818+257.5% | $7,339+378.3% |