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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 | $123,155+170.4% | $108,753+206.2% | $155,188+114.5% |
| Participation rate | 21.4% | 75.6%-54.2pp | 71.1%-49.7pp | 80.8%-59.4pp |
| Annual return | 10.26% | 44.73%-34.5pp | 37.47%-27.2pp | 148.84%-138.6pp |
| Employer contribution / active EE | $581 | $2,811-79.3% | $2,427-76.1% | $4,248-86.3% |
| Participant deferral / active EE | $4,471 | $4,623-3.3% | $4,115+8.6% | $6,531-31.6% |
| Admin fee / account holder | $4,640 | $12,126-61.7% | $10,320-55.0% | $14,480-68.0% |