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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 | $306,495 | $73,787+315.4% | $98,716+210.5% | $82,448+271.7% |
| Participation rate | 48.9% | 61.4%-12.5pp | 69.3%-20.4pp | 68.1%-19.2pp |
| Annual return | 13.07% | 18.57%-5.5pp | 31.81%-18.7pp | 41.64%-28.6pp |
| Employer contribution / active EE | $2,404 | $1,511+59.1% | $2,279+5.5% | $2,551-5.8% |
| Participant deferral / active EE | $5,983 | $3,081+94.2% | $4,048+47.8% | $4,139+44.5% |
| Admin fee / account holder | $41,644 | $6,500+540.7% | $8,703+378.5% | $7,234+475.6% |