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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 | $314,625 | $94,439+233.2% | $73,658+327.1% | $154,746+103.3% |
| Participation rate | 20.0% | 64.7%-44.7pp | 57.0%-37.0pp | 80.7%-60.7pp |
| Annual return | 13.42% | 28.25%-14.8pp | 29.72%-16.3pp | 172.34%-158.9pp |
| Employer contribution / active EE | $307 | $1,257-75.6% | $1,032-70.2% | $4,379-93.0% |
| Participant deferral / active EE | $4,057 | $2,527+60.5% | $2,062+96.7% | $6,730-39.7% |
| Admin fee / account holder | $994 | $3,843-74.1% | $3,357-70.4% | $14,365-93.1% |