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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 | $251,634 | $87,132+188.8% | $105,624+138.2% | $80,959+210.8% |
| Participation rate | 26.5% | 70.4%-44.0pp | 75.3%-48.8pp | 67.7%-41.2pp |
| Annual return | 12.25% | 17.03%-4.8pp | 116.20%-104.0pp | 35.67%-23.4pp |
| Employer contribution / active EE | $1,340 | $2,397-44.1% | $3,168-57.7% | $2,757-51.4% |
| Participant deferral / active EE | $2,494 | $3,985-37.4% | $5,013-50.2% | $4,300-42.0% |
| Admin fee / account holder | $1,657 | $8,449-80.4% | $10,961-84.9% | $6,925-76.1% |