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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 | $106,974+239.1% | $90,796+299.6% | $138,895+161.2% |
| Participation rate | 69.6% | 74.9%-5.3pp | 69.5%+0.1pp | 79.9%-10.4pp |
| Annual return | 14.79% | 20.10%-5.3pp | 19.29%-4.5pp | 145.39%-130.6pp |
| Employer contribution / active EE | $1,743 | $2,609-33.2% | $2,294-24.0% | $4,194-58.4% |
| Participant deferral / active EE | $3,695 | $4,455-17.0% | $3,822-3.3% | $6,396-42.2% |
| Admin fee / account holder | $21,575 | $8,626+150.1% | $7,024+207.2% | $12,562+71.7% |