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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 | $263,751 | $80,992+225.6% | $96,534+173.2% | $75,173+250.9% |
| Participation rate | 13.0% | 71.8%-58.7pp | 76.0%-62.9pp | 67.2%-54.2pp |
| Annual return | 13.70% | 27.05%-13.4pp | 25.88%-12.2pp | 160.72%-147.0pp |
| Employer contribution / active EE | $1,206 | $2,283-47.2% | $2,965-59.3% | $2,671-54.9% |
| Participant deferral / active EE | $2,594 | $3,929-34.0% | $4,851-46.5% | $4,126-37.1% |
| Admin fee / account holder | $12,219 | $6,717+81.9% | $8,253+48.1% | $5,651+116.2% |