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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 | $330,030 | $107,733+206.3% | $92,985+254.9% | $154,746+113.3% |
| Participation rate | 38.1% | 74.6%-36.5pp | 69.5%-31.4pp | 80.7%-42.6pp |
| Annual return | 7.62% | 30.39%-22.8pp | 27.99%-20.4pp | 172.34%-164.7pp |
| Employer contribution / active EE | $1,252 | $3,126-60.0% | $2,662-53.0% | $4,379-71.4% |
| Participant deferral / active EE | $6,933 | $5,053+37.2% | $4,377+58.4% | $6,730+3.0% |
| Admin fee / account holder | $60,375 | $11,369+431.1% | $9,463+538.0% | $14,365+320.3% |