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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 | $265,632 | $94,439+181.3% | $73,658+260.6% | $154,746+71.7% |
| Participation rate | 17.4% | 64.7%-47.3pp | 57.0%-39.6pp | 80.7%-63.3pp |
| Annual return | 15.35% | 28.25%-12.9pp | 29.72%-14.4pp | 172.34%-157.0pp |
| Employer contribution / active EE | $717 | $1,257-43.0% | $1,032-30.6% | $4,379-83.6% |
| Participant deferral / active EE | $4,562 | $2,527+80.5% | $2,062+121.3% | $6,730-32.2% |
| Admin fee / account holder | $5,889 | $3,843+53.2% | $3,357+75.4% | $14,365-59.0% |