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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 | $268,293 | $78,423+242.1% | $95,964+179.6% | $79,856+236.0% |
| Participation rate | 68.9% | 73.5%-4.6pp | 77.1%-8.2pp | 69.6%-0.8pp |
| Annual return | 11.74% | 19.37%-7.6pp | 91.64%-79.9pp | 31.71%-20.0pp |
| Employer contribution / active EE | $3,147 | $1,945+61.7% | $2,541+23.8% | $2,471+27.3% |
| Participant deferral / active EE | $6,144 | $3,440+78.6% | $4,167+47.5% | $3,741+64.2% |
| Admin fee / account holder | $2,765 | $5,622-50.8% | $6,797-59.3% | $5,306-47.9% |