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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 | $108,882+149.5% | $96,754+180.8% | $154,746+75.5% |
| Participation rate | 59.1% | 75.1%-16.0pp | 70.3%-11.2pp | 80.7%-21.6pp |
| Annual return | 13.88% | 98.39%-84.5pp | 82.04%-68.2pp | 172.34%-158.5pp |
| Employer contribution / active EE | $1,279 | $3,018-57.6% | $2,679-52.3% | $4,379-70.8% |
| Participant deferral / active EE | $4,731 | $5,323-11.1% | $4,758-0.6% | $6,730-29.7% |
| Admin fee / account holder | $900 | $10,200-91.2% | $8,905-89.9% | $14,365-93.7% |