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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 | $71,230+332.3% | $93,727+228.5% | $80,959+280.3% |
| Participation rate | 35.7% | 60.4%-24.7pp | 68.7%-33.0pp | 67.7%-32.0pp |
| Annual return | 15.20% | 11.26%+3.9pp | 133.83%-118.6pp | 35.67%-20.5pp |
| Employer contribution / active EE | $1,622 | $1,565+3.6% | $2,421-33.0% | $2,757-41.2% |
| Participant deferral / active EE | $5,004 | $4,037+23.9% | $4,417+13.3% | $4,300+16.4% |
| Admin fee / account holder | $4,942 | $6,961-29.0% | $8,292-40.4% | $6,925-28.6% |