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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 | $106,524+159.4% | $152,301+81.4% | $87,485+215.8% |
| Participation rate | 67.9% | 75.8%-7.9pp | 82.4%-14.6pp | 68.9%-1.1pp |
| Annual return | 15.81% | 26.89%-11.1pp | 80.50%-64.7pp | 26.06%-10.2pp |
| Employer contribution / active EE | $4,392 | $3,371+30.3% | $4,624-5.0% | $2,596+69.2% |
| Participant deferral / active EE | $19,793 | $6,525+203.3% | $8,004+147.3% | $4,274+363.1% |
| Admin fee / account holder | $21,996 | $8,287+165.4% | $14,398+52.8% | $7,775+182.9% |