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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 | $261,933 | $110,410+137.2% | $102,437+155.7% | $145,897+79.5% |
| Participation rate | 23.1% | 77.9%-54.9pp | 74.5%-51.4pp | 80.3%-57.2pp |
| Annual return | 9.64% | 24.85%-15.2pp | 24.95%-15.3pp | 552.29%-542.7pp |
| Employer contribution / active EE | $857 | $4,217-79.7% | $3,871-77.9% | $4,663-81.6% |
| Participant deferral / active EE | $4,942 | $5,622-12.1% | $5,060-2.3% | $6,689-26.1% |
| Admin fee / account holder | $3,569 | $9,745-63.4% | $8,388-57.5% | $13,390-73.3% |