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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 | $282,678 | $111,535+153.4% | $105,223+168.6% | $137,256+105.9% |
| Participation rate | 66.7% | 78.1%-11.4pp | 75.0%-8.4pp | 80.0%-13.3pp |
| Annual return | 13.03% | 237.85%-224.8pp | 180.65%-167.6pp | 220.34%-207.3pp |
| Employer contribution / active EE | $2,522 | $3,939-36.0% | $3,689-31.6% | $4,156-39.3% |
| Participant deferral / active EE | $4,872 | $5,500-11.4% | $5,072-3.9% | $6,407-24.0% |
| Admin fee / account holder | $2,702 | $9,721-72.2% | $8,859-69.5% | $12,270-78.0% |