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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 | $255,030 | $81,476+213.0% | $102,383+149.1% | $80,925+215.1% |
| Participation rate | 31.4% | 66.8%-35.4pp | 74.5%-43.1pp | 67.7%-36.2pp |
| Annual return | 11.06% | 25.59%-14.5pp | 24.94%-13.9pp | 35.65%-24.6pp |
| Employer contribution / active EE | $3,119 | $3,105+0.5% | $3,870-19.4% | $2,756+13.2% |
| Participant deferral / active EE | $4,615 | $3,871+19.2% | $5,060-8.8% | $4,299+7.3% |
| Admin fee / account holder | $4,865 | $6,717-27.6% | $8,391-42.0% | $6,940-29.9% |