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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 | $258,700 | $101,795+154.1% | $165,100+56.7% | $80,959+219.5% |
| Participation rate | 68.0% | 71.8%-3.8pp | 78.6%-10.6pp | 67.7%+0.3pp |
| Annual return | 14.43% | 16.73%-2.3pp | 70.21%-55.8pp | 35.67%-21.2pp |
| Employer contribution / active EE | $1,471 | $2,954-50.2% | $4,348-66.2% | $2,757-46.6% |
| Participant deferral / active EE | $6,459 | $4,476+44.3% | $6,035+7.0% | $4,300+50.2% |
| Admin fee / account holder | $1,497 | $8,221-81.8% | $12,696-88.2% | $6,925-78.4% |