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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 | $696,950 | $184,014+278.7% | $161,149+332.5% | $138,895+401.8% |
| Participation rate | 44.4% | 82.1%-37.6pp | 78.8%-34.4pp | 79.9%-35.5pp |
| Annual return | 15.30% | 21.52%-6.2pp | 21.16%-5.9pp | 145.39%-130.1pp |
| Employer contribution / active EE | $2,303 | $5,055-54.4% | $4,360-47.2% | $4,194-45.1% |
| Participant deferral / active EE | $7,533 | $6,909+9.0% | $6,153+22.4% | $6,396+17.8% |
| Admin fee / account holder | $6,211 | $18,027-65.5% | $15,194-59.1% | $12,562-50.6% |