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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 | $332,955 | $112,729+195.4% | $98,716+237.3% | $137,256+142.6% |
| Participation rate | 21.4% | 74.2%-52.8pp | 69.3%-47.9pp | 80.0%-58.5pp |
| Annual return | 10.26% | 38.48%-28.2pp | 31.81%-21.6pp | 220.34%-210.1pp |
| Employer contribution / active EE | $581 | $2,725-78.7% | $2,279-74.5% | $4,156-86.0% |
| Participant deferral / active EE | $4,471 | $4,640-3.7% | $4,048+10.4% | $6,407-30.2% |
| Admin fee / account holder | $4,640 | $10,129-54.2% | $8,703-46.7% | $12,270-62.2% |