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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 | $298,153 | $81,358+266.5% | $155,556+91.7% | $80,959+268.3% |
| Participation rate | 58.0% | 66.3%-8.3pp | 78.2%-20.2pp | 67.7%-9.7pp |
| Annual return | 13.88% | 33.39%-19.5pp | 64.84%-51.0pp | 35.67%-21.8pp |
| Employer contribution / active EE | $2,809 | $3,106-9.6% | $4,675-39.9% | $2,757+1.9% |
| Participant deferral / active EE | $5,814 | $3,455+68.3% | $5,631+3.3% | $4,300+35.2% |
| Admin fee / account holder | $37,144 | $7,994+364.7% | $15,885+133.8% | $6,925+436.4% |