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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 | $319,178 | $106,247+200.4% | $96,515+230.7% | $139,466+128.9% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 32.56% | 38.47%-5.9pp | 35.73%-3.2pp | 373.66%-341.1pp |
| Employer contribution / active EE | $3,663 | $4,106-10.8% | $3,740-2.0% | $4,754-22.9% |
| Participant deferral / active EE | $11,612 | $5,456+112.9% | $4,880+138.0% | $6,712+73.0% |
| Admin fee / account holder | $1,979 | $7,885-74.9% | $6,735-70.6% | $11,409-82.7% |