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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 | $259,328 | $73,787+251.5% | $98,716+162.7% | $82,448+214.5% |
| Participation rate | 28.6% | 61.4%-32.8pp | 69.3%-40.7pp | 68.1%-39.5pp |
| Annual return | 16.35% | 18.57%-2.2pp | 31.81%-15.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $852 | $1,511-43.6% | $2,279-62.6% | $2,551-66.6% |
| Participant deferral / active EE | $2,714 | $3,081-11.9% | $4,048-33.0% | $4,139-34.4% |
| Admin fee / account holder | $2,775 | $6,500-57.3% | $8,703-68.1% | $7,234-61.6% |