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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 | $363,695 | $85,060+327.6% | $70,565+415.4% | $139,487+160.7% |
| Participation rate | 37.5% | 73.9%-36.4pp | 68.4%-30.9pp | 80.3%-42.8pp |
| Annual return | 12.70% | 30.39%-17.7pp | 32.79%-20.1pp | 373.84%-361.1pp |
| Employer contribution / active EE | $1,375 | $3,912-64.9% | $2,976-53.8% | $4,755-71.1% |
| Participant deferral / active EE | $1,700 | $5,891-71.1% | $4,568-62.8% | $6,713-74.7% |
| Admin fee / account holder | $1,446 | $8,932-83.8% | $6,430-77.5% | $11,407-87.3% |