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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 | $302,378 | $116,434+159.7% | $65,583+361.1% | $139,487+116.8% |
| Participation rate | 44.4% | 67.9%-23.4pp | 65.0%-20.5pp | 80.3%-35.9pp |
| Annual return | 21.24% | 31.34%-10.1pp | 47.46%-26.2pp | 373.84%-352.6pp |
| Employer contribution / active EE | $1,822 | $2,602-30.0% | $1,692+7.7% | $4,755-61.7% |
| Participant deferral / active EE | $5,282 | $4,245+24.4% | $2,833+86.5% | $6,713-21.3% |
| Admin fee / account holder | $5,515 | $6,696-17.6% | $4,112+34.1% | $11,407-51.7% |