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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 | $271,976 | $110,410+146.3% | $102,437+165.5% | $145,897+86.4% |
| Participation rate | 38.1% | 77.9%-39.8pp | 74.5%-36.4pp | 80.3%-42.2pp |
| Annual return | 13.08% | 24.85%-11.8pp | 24.95%-11.9pp | 552.29%-539.2pp |
| Employer contribution / active EE | $1,459 | $4,217-65.4% | $3,871-62.3% | $4,663-68.7% |
| Participant deferral / active EE | $5,370 | $5,622-4.5% | $5,060+6.1% | $6,689-19.7% |
| Admin fee / account holder | $2,467 | $9,745-74.7% | $8,388-70.6% | $13,390-81.6% |