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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 | $271,639 | $97,125+179.7% | $86,233+215.0% | $137,256+97.9% |
| Participation rate | 59.1% | 74.2%-15.1pp | 69.0%-9.9pp | 80.0%-20.9pp |
| Annual return | 13.88% | 74.19%-60.3pp | 61.39%-47.5pp | 220.34%-206.5pp |
| Employer contribution / active EE | $1,279 | $2,841-55.0% | $2,504-48.9% | $4,156-69.2% |
| Participant deferral / active EE | $4,731 | $5,180-8.7% | $4,559+3.8% | $6,407-26.2% |
| Admin fee / account holder | $900 | $9,725-90.7% | $8,342-89.2% | $12,270-92.7% |