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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 | $410,237 | $99,380+312.8% | $90,312+354.2% | $155,188+164.3% |
| Participation rate | 59.1% | 77.3%-18.3pp | 72.9%-13.8pp | 80.8%-21.7pp |
| Annual return | 10.50% | 19.35%-8.9pp | 18.90%-8.4pp | 148.84%-138.3pp |
| Employer contribution / active EE | $1,178 | $2,390-50.7% | $2,243-47.5% | $4,248-72.3% |
| Participant deferral / active EE | $1,571 | $4,212-62.7% | $3,749-58.1% | $6,531-75.9% |
| Admin fee / account holder | $2,494 | $9,766-74.5% | $8,248-69.8% | $14,480-82.8% |