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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 | $258,198 | $84,236+206.5% | $170,439+51.5% | $70,124+268.2% |
| Participation rate | 50.5% | 70.8%-20.3pp | 83.6%-33.0pp | 69.5%-19.0pp |
| Annual return | 14.24% | 23.06%-8.8pp | 205.94%-191.7pp | 73.14%-58.9pp |
| Employer contribution / active EE | $2,539 | $3,387-25.0% | $5,433-53.3% | $2,342+8.4% |
| Participant deferral / active EE | $5,013 | $3,086+62.5% | $4,939+1.5% | $3,332+50.5% |
| Admin fee / account holder | $2,971 | $5,698-47.9% | $13,881-78.6% | $4,645-36.1% |