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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 | $299,725 | $90,400+231.6% | $186,193+61.0% | $87,485+242.6% |
| Participation rate | 32.0% | 66.2%-34.2pp | 77.1%-45.1pp | 68.9%-36.9pp |
| Annual return | 13.39% | 22.15%-8.8pp | 78.03%-64.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $895 | $2,170-58.8% | $3,918-77.2% | $2,596-65.5% |
| Participant deferral / active EE | $3,281 | $4,330-24.2% | $6,513-49.6% | $4,274-23.2% |
| Admin fee / account holder | $44,652 | $8,673+414.8% | $11,058+303.8% | $7,775+474.3% |