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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 | $64,920+334.5% | $103,693+172.1% | $86,983+224.3% |
| Participation rate | 47.8% | 63.6%-15.8pp | 72.6%-24.9pp | 69.5%-21.8pp |
| Annual return | 12.74% | 30.29%-17.6pp | 47.61%-34.9pp | 25.83%-13.1pp |
| Employer contribution / active EE | $1,283 | $2,141-40.1% | $2,920-56.1% | $2,584-50.4% |
| Participant deferral / active EE | $5,490 | $3,241+69.4% | $4,579+19.9% | $4,194+30.9% |
| Admin fee / account holder | $11,365 | $6,191+83.6% | $7,858+44.6% | $7,856+44.7% |