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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 | $292,987 | $68,880+325.4% | $120,580+143.0% | $80,959+261.9% |
| Participation rate | 43.6% | 61.7%-18.1pp | 72.0%-28.4pp | 67.7%-24.1pp |
| Annual return | 13.51% | 23.68%-10.2pp | 107.48%-94.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,927 | $2,066-6.8% | $3,469-44.5% | $2,757-30.1% |
| Participant deferral / active EE | $5,861 | $3,191+83.7% | $4,995+17.3% | $4,300+36.3% |
| Admin fee / account holder | $32,909 | $5,785+468.9% | $9,418+249.4% | $6,925+375.2% |