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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 | $362,799 | $103,164+251.7% | $90,259+302.0% | $154,746+134.4% |
| Participation rate | 69.6% | 76.1%-6.5pp | 70.7%-1.2pp | 80.7%-11.1pp |
| Annual return | 14.79% | 19.25%-4.5pp | 18.88%-4.1pp | 172.34%-157.5pp |
| Employer contribution / active EE | $1,743 | $2,532-31.1% | $2,291-23.9% | $4,379-60.2% |
| Participant deferral / active EE | $3,695 | $4,422-16.4% | $3,827-3.4% | $6,730-45.1% |
| Admin fee / account holder | $21,575 | $8,593+151.1% | $7,267+196.9% | $14,365+50.2% |