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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 | $106,588+209.6% | $94,215+250.3% | $155,188+112.7% |
| Participation rate | 38.1% | 74.3%-36.2pp | 70.0%-31.9pp | 80.8%-42.7pp |
| Annual return | 7.62% | 29.39%-21.8pp | 28.22%-20.6pp | 148.84%-141.2pp |
| Employer contribution / active EE | $1,252 | $3,080-59.4% | $2,675-53.2% | $4,248-70.5% |
| Participant deferral / active EE | $6,933 | $4,802+44.4% | $4,276+62.1% | $6,531+6.2% |
| Admin fee / account holder | $60,375 | $12,281+391.6% | $10,216+491.0% | $14,480+317.0% |