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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 | $290,042 | $95,453+203.9% | $112,040+158.9% | $82,448+251.8% |
| Participation rate | 27.9% | 72.8%-44.8pp | 76.5%-48.6pp | 68.1%-40.2pp |
| Annual return | 13.01% | 23.92%-10.9pp | 24.52%-11.5pp | 41.64%-28.6pp |
| Employer contribution / active EE | $1,256 | $2,318-45.8% | $2,954-57.5% | $2,551-50.8% |
| Participant deferral / active EE | $4,184 | $4,224-0.9% | $5,098-17.9% | $4,139+1.1% |
| Admin fee / account holder | $6,481 | $9,013-28.1% | $12,098-46.4% | $7,234-10.4% |