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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 | $300,410 | $61,605+387.6% | $112,273+167.6% | $75,173+299.6% |
| Participation rate | 44.4% | 61.7%-17.2pp | 72.4%-28.0pp | 67.2%-22.8pp |
| Annual return | 19.28% | 28.47%-9.2pp | 30.23%-10.9pp | 160.72%-141.4pp |
| Employer contribution / active EE | $3,506 | $2,015+74.0% | $3,431+2.2% | $2,671+31.3% |
| Participant deferral / active EE | $6,174 | $3,108+98.6% | $4,800+28.6% | $4,126+49.6% |
| Admin fee / account holder | $659 | $4,862-86.4% | $7,752-91.5% | $5,651-88.3% |