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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 | $257,124 | $103,392+148.7% | $87,104+195.2% | $152,897+68.2% |
| Participation rate | 46.2% | 79.4%-33.2pp | 76.9%-30.7pp | 82.5%-36.3pp |
| Annual return | 11.30% | 28.10%-16.8pp | 28.19%-16.9pp | 345.43%-334.1pp |
| Employer contribution / active EE | $1,031 | $3,221-68.0% | $2,521-59.1% | $4,764-78.3% |
| Participant deferral / active EE | $5,173 | $4,778+8.3% | $4,048+27.8% | $5,851-11.6% |
| Admin fee / account holder | $772 | $12,194-93.7% | $7,491-89.7% | $11,599-93.3% |