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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 | $282,107 | $61,125+361.5% | $94,057+199.9% | $87,485+222.5% |
| Participation rate | 47.8% | 64.1%-16.3pp | 73.3%-25.6pp | 68.9%-21.2pp |
| Annual return | 12.74% | 35.20%-22.5pp | 480.62%-467.9pp | 26.06%-13.3pp |
| Employer contribution / active EE | $1,283 | $2,136-40.0% | $2,933-56.3% | $2,596-50.6% |
| Participant deferral / active EE | $5,490 | $3,260+68.4% | $4,709+16.6% | $4,274+28.5% |
| Admin fee / account holder | $11,365 | $5,629+101.9% | $7,244+56.9% | $7,775+46.2% |