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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 | $74,535+311.2% | $100,712+204.3% | $82,637+270.9% |
| Participation rate | 48.9% | 61.2%-12.3pp | 69.3%-20.4pp | 68.1%-19.2pp |
| Annual return | 13.07% | 18.92%-5.9pp | 33.27%-20.2pp | 53.51%-40.4pp |
| Employer contribution / active EE | $2,404 | $1,503+60.0% | $2,313+3.9% | $2,552-5.8% |
| Participant deferral / active EE | $5,983 | $3,074+94.6% | $4,085+46.5% | $4,126+45.0% |
| Admin fee / account holder | $41,644 | $6,576+533.3% | $9,256+349.9% | $7,339+467.4% |