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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 | $331,143 | $75,720+337.3% | $90,312+266.7% | $86,983+280.7% |
| Participation rate | 17.9% | 66.3%-48.4pp | 72.9%-55.0pp | 69.5%-51.7pp |
| Annual return | 19.51% | 18.55%+1.0pp | 18.90%+0.6pp | 25.83%-6.3pp |
| Employer contribution / active EE | $1,234 | $1,945-36.6% | $2,243-45.0% | $2,584-52.3% |
| Participant deferral / active EE | $1,461 | $3,001-51.3% | $3,749-61.0% | $4,194-65.2% |
| Admin fee / account holder | $9,863 | $6,201+59.1% | $8,248+19.6% | $7,856+25.5% |