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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 | $297,801 | $161,352+84.6% | $134,172+122.0% | $137,256+117.0% |
| Participation rate | 50.0% | 78.3%-28.3pp | 72.5%-22.5pp | 80.0%-30.0pp |
| Annual return | 17.91% | 28.72%-10.8pp | 25.30%-7.4pp | 220.34%-202.4pp |
| Employer contribution / active EE | $1,626 | $4,099-60.3% | $3,420-52.4% | $4,156-60.9% |
| Participant deferral / active EE | $4,698 | $5,552-15.4% | $4,690+0.2% | $6,407-26.7% |
| Admin fee / account holder | $3,305 | $15,028-78.0% | $12,016-72.5% | $12,270-73.1% |