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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 | $263,576 | $135,956+93.9% | $123,894+112.7% | $273,972-3.8% |
| Participation rate | 30.0% | 84.1%-54.1pp | 81.4%-51.4pp | 83.0%-53.0pp |
| Annual return | 12.01% | 56.63%-44.6pp | 47.52%-35.5pp | 41.46%-29.4pp |
| Employer contribution / active EE | $9,938 | $5,170+92.2% | $4,617+115.2% | $4,869+104.1% |
| Participant deferral / active EE | $1,994 | $6,343-68.6% | $5,984-66.7% | $5,287-62.3% |
| Admin fee / account holder | $1,020 | $9,817-89.6% | $8,357-87.8% | $10,133-89.9% |