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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 | $109,782+173.0% | $260,467+15.1% | $94,015+218.8% |
| Participation rate | 32.0% | 67.2%-35.2pp | 80.5%-48.5pp | 70.8%-38.8pp |
| Annual return | 13.39% | 18.60%-5.2pp | 100.60%-87.2pp | 17.84%-4.5pp |
| Employer contribution / active EE | $895 | $2,147-58.3% | $4,239-78.9% | $2,790-67.9% |
| Participant deferral / active EE | $3,281 | $4,044-18.9% | $6,319-48.1% | $4,249-22.8% |
| Admin fee / account holder | $44,652 | $11,958+273.4% | $15,461+188.8% | $8,951+398.8% |