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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 | $101,778+154.2% | $164,975+56.8% | $80,925+219.7% |
| Participation rate | 68.0% | 71.8%-3.8pp | 78.6%-10.6pp | 67.7%+0.3pp |
| Annual return | 14.43% | 16.73%-2.3pp | 70.12%-55.7pp | 35.65%-21.2pp |
| Employer contribution / active EE | $1,471 | $2,954-50.2% | $4,343-66.1% | $2,756-46.6% |
| Participant deferral / active EE | $6,459 | $4,477+44.3% | $6,033+7.0% | $4,299+50.3% |
| Admin fee / account holder | $1,497 | $8,221-81.8% | $12,688-88.2% | $6,940-78.4% |