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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 | $350,029 | $123,155+184.2% | $108,753+221.9% | $155,188+125.6% |
| Participation rate | 42.9% | 75.6%-32.8pp | 71.1%-28.2pp | 80.8%-37.9pp |
| Annual return | 11.06% | 44.73%-33.7pp | 37.47%-26.4pp | 148.84%-137.8pp |
| Employer contribution / active EE | $1,857 | $2,811-33.9% | $2,427-23.5% | $4,248-56.3% |
| Participant deferral / active EE | $2,423 | $4,623-47.6% | $4,115-41.1% | $6,531-62.9% |
| Admin fee / account holder | $14,558 | $12,126+20.0% | $10,320+41.1% | $14,480+0.5% |