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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 | $263,922 | $124,330+112.3% | $109,173+141.7% | $167,536+57.5% |
| Participation rate | 17.4% | 79.5%-62.1pp | 75.9%-58.5pp | 82.1%-64.7pp |
| Annual return | 13.97% | 26.04%-12.1pp | 25.75%-11.8pp | 478.82%-464.8pp |
| Employer contribution / active EE | $858 | $4,209-79.6% | $3,723-77.0% | $4,839-82.3% |
| Participant deferral / active EE | $1,645 | $5,256-68.7% | $4,654-64.7% | $6,342-74.1% |
| Admin fee / account holder | $2,620 | $7,974-67.1% | $6,755-61.2% | $12,315-78.7% |