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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 | $276,285 | $106,749+158.8% | $145,433+90.0% | $82,448+235.1% |
| Participation rate | 67.9% | 75.6%-7.8pp | 82.1%-14.3pp | 68.1%-0.2pp |
| Annual return | 15.81% | 27.59%-11.8pp | 66.58%-50.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $4,392 | $3,444+27.5% | $4,554-3.6% | $2,551+72.2% |
| Participant deferral / active EE | $19,793 | $6,519+203.6% | $7,897+150.6% | $4,139+378.2% |
| Admin fee / account holder | $21,996 | $8,390+162.2% | $13,129+67.5% | $7,234+204.1% |