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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 | $81,403+208.2% | $147,027+70.7% | $87,485+186.8% |
| Participation rate | 31.6% | 63.4%-31.9pp | 73.7%-42.2pp | 68.9%-37.4pp |
| Annual return | 16.48% | 16.51%0pp | 20.23%-3.8pp | 26.06%-9.6pp |
| Employer contribution / active EE | $1,461 | $2,205-33.8% | $3,626-59.7% | $2,596-43.7% |
| Participant deferral / active EE | $5,026 | $3,315+51.6% | $4,933+1.9% | $4,274+17.6% |
| Admin fee / account holder | $1,478 | $6,755-78.1% | $12,223-87.9% | $7,775-81.0% |