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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 | $271,639 | $107,809+152.0% | $97,032+179.9% | $155,188+75.0% |
| Participation rate | 59.1% | 75.5%-16.4pp | 71.6%-12.5pp | 80.8%-21.7pp |
| Annual return | 13.88% | 38.06%-24.2pp | 35.38%-21.5pp | 148.84%-135.0pp |
| Employer contribution / active EE | $1,279 | $2,911-56.1% | $2,629-51.3% | $4,248-69.9% |
| Participant deferral / active EE | $4,731 | $5,129-7.8% | $4,672+1.3% | $6,531-27.6% |
| Admin fee / account holder | $900 | $10,717-91.6% | $9,418-90.4% | $14,480-93.8% |