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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 | $403,477 | $123,793+225.9% | $177,848+126.9% | $79,856+405.3% |
| Participation rate | 59.4% | 84.7%-25.3pp | 87.7%-28.3pp | 69.6%-10.3pp |
| Annual return | 18.60% | 22.82%-4.2pp | 48.33%-29.7pp | 31.71%-13.1pp |
| Employer contribution / active EE | $19,016 | $4,095+364.3% | $5,919+221.3% | $2,471+669.5% |
| Participant deferral / active EE | $12,988 | $5,956+118.1% | $7,714+68.4% | $3,741+247.2% |
| Admin fee / account holder | $16,019 | $7,243+121.2% | $12,431+28.9% | $5,306+201.9% |