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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 | $271,506 | $97,648+178.0% | $121,663+123.2% | $87,485+210.3% |
| Participation rate | 66.7% | 70.5%-3.8pp | 74.5%-7.8pp | 68.9%-2.3pp |
| Annual return | 17.58% | 18.03%-0.4pp | 147.54%-130.0pp | 26.06%-8.5pp |
| Employer contribution / active EE | $2,699 | $2,300+17.3% | $3,020-10.6% | $2,596+3.9% |
| Participant deferral / active EE | $4,687 | $3,923+19.5% | $4,887-4.1% | $4,274+9.7% |
| Admin fee / account holder | $45,234 | $11,100+307.5% | $14,289+216.6% | $7,775+481.8% |