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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 | $420,224 | $77,896+439.5% | $134,172+213.2% | $82,448+409.7% |
| Participation rate | 39.1% | 62.8%-23.7pp | 72.5%-33.3pp | 68.1%-28.9pp |
| Annual return | 16.73% | 18.21%-1.5pp | 25.30%-8.6pp | 41.64%-24.9pp |
| Employer contribution / active EE | $1,613 | $2,159-25.3% | $3,420-52.8% | $2,551-36.8% |
| Participant deferral / active EE | $5,439 | $3,162+72.0% | $4,690+16.0% | $4,139+31.4% |
| Admin fee / account holder | $2,613 | $6,336-58.8% | $12,016-78.3% | $7,234-63.9% |