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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 | $344,596 | $86,050+300.5% | $189,758+81.6% | $94,015+266.5% |
| Participation rate | 68.4% | 68.9%-0.5pp | 79.8%-11.4pp | 70.8%-2.4pp |
| Annual return | 15.19% | 17.77%-2.6pp | 52.62%-37.4pp | 17.84%-2.6pp |
| Employer contribution / active EE | $6,386 | $2,819+126.5% | $4,767+34.0% | $2,790+128.9% |
| Participant deferral / active EE | $5,329 | $3,349+59.1% | $5,856-9.0% | $4,249+25.4% |
| Admin fee / account holder | $10,218 | $6,627+54.2% | $20,388-49.9% | $8,951+14.2% |