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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 | $254,688 | $85,766+197.0% | $136,298+86.9% | $70,126+263.2% |
| Participation rate | 65.6% | 74.2%-8.5pp | 81.9%-16.3pp | 69.5%-3.9pp |
| Annual return | 15.72% | 31.46%-15.7pp | 5156.27%-5140.6pp | 73.15%-57.4pp |
| Employer contribution / active EE | $1,079 | $2,966-63.6% | $4,696-77.0% | $2,343-53.9% |
| Participant deferral / active EE | $8,946 | $5,051+77.1% | $6,247+43.2% | $3,332+168.5% |
| Admin fee / account holder | $10,949 | $5,421+102.0% | $9,244+18.4% | $4,645+135.7% |