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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 | $250,912 | $77,896+222.1% | $134,172+87.0% | $82,448+204.3% |
| Participation rate | 31.6% | 62.8%-31.2pp | 72.5%-40.9pp | 68.1%-36.5pp |
| Annual return | 16.48% | 18.21%-1.7pp | 25.30%-8.8pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,461 | $2,159-32.3% | $3,420-57.3% | $2,551-42.7% |
| Participant deferral / active EE | $5,026 | $3,162+59.0% | $4,690+7.2% | $4,139+21.4% |
| Admin fee / account holder | $1,478 | $6,336-76.7% | $12,016-87.7% | $7,234-79.6% |