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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 | $377,904 | $76,551+393.7% | $123,894+205.0% | $62,881+501.0% |
| Participation rate | 54.3% | 73.0%-18.7pp | 81.4%-27.1pp | 69.3%-15.0pp |
| Annual return | 10.11% | 18.68%-8.6pp | 47.52%-37.4pp | 20.14%-10.0pp |
| Employer contribution / active EE | $7,337 | $2,882+154.6% | $4,617+58.9% | $2,281+221.7% |
| Participant deferral / active EE | $10,261 | $4,840+112.0% | $5,984+71.5% | $3,203+220.4% |
| Admin fee / account holder | $6,220 | $4,826+28.9% | $8,357-25.6% | $4,296+44.8% |