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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 | $270,405 | $124,213+117.7% | $118,106+129.0% | $154,746+74.7% |
| Participation rate | 33.3% | 83.6%-50.3pp | 81.9%-48.5pp | 80.7%-47.4pp |
| Annual return | 12.31% | 18.29%-6.0pp | 19.44%-7.1pp | 172.34%-160.0pp |
| Employer contribution / active EE | $1,930 | $4,905-60.6% | $4,698-58.9% | $4,379-55.9% |
| Participant deferral / active EE | $8,722 | $6,859+27.2% | $6,619+31.8% | $6,730+29.6% |
| Admin fee / account holder | $3,138 | $9,627-67.4% | $8,973-65.0% | $14,365-78.2% |