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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 | $425,303 | $69,590+511.2% | $136,867+210.7% | $94,015+352.4% |
| Participation rate | 61.0% | 66.3%-5.3pp | 74.5%-13.6pp | 70.8%-9.8pp |
| Annual return | 16.62% | 19.62%-3.0pp | 42.97%-26.4pp | 17.84%-1.2pp |
| Employer contribution / active EE | $2,682 | $2,396+11.9% | $3,547-24.4% | $2,790-3.9% |
| Participant deferral / active EE | $6,024 | $3,437+75.3% | $4,924+22.4% | $4,249+41.8% |
| Admin fee / account holder | $3,482 | $8,912-60.9% | $10,340-66.3% | $8,951-61.1% |