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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 | $307,906 | $71,057+333.3% | $93,654+228.8% | $80,874+280.7% |
| Participation rate | 35.7% | 60.4%-24.7pp | 68.7%-33.0pp | 67.6%-31.9pp |
| Annual return | 15.20% | 11.26%+3.9pp | 133.34%-118.1pp | 35.62%-20.4pp |
| Employer contribution / active EE | $1,622 | $1,564+3.7% | $2,421-33.0% | $2,756-41.1% |
| Participant deferral / active EE | $5,004 | $4,034+24.0% | $4,413+13.4% | $4,297+16.5% |
| Admin fee / account holder | $4,942 | $6,944-28.8% | $8,282-40.3% | $6,935-28.7% |