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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 | $72,607+356.1% | $90,259+266.9% | $87,485+278.5% |
| Participation rate | 17.9% | 64.8%-46.9pp | 70.7%-52.9pp | 68.9%-51.1pp |
| Annual return | 19.51% | 18.59%+0.9pp | 18.88%+0.6pp | 26.06%-6.5pp |
| Employer contribution / active EE | $1,234 | $1,919-35.7% | $2,291-46.2% | $2,596-52.5% |
| Participant deferral / active EE | $1,461 | $3,055-52.2% | $3,827-61.8% | $4,274-65.8% |
| Admin fee / account holder | $9,863 | $5,947+65.9% | $7,267+35.7% | $7,775+26.9% |