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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 | $404,725 | $69,590+481.6% | $136,867+195.7% | $94,015+330.5% |
| Participation rate | 18.5% | 66.3%-47.8pp | 74.5%-56.0pp | 70.8%-52.3pp |
| Annual return | 14.35% | 19.62%-5.3pp | 42.97%-28.6pp | 17.84%-3.5pp |
| Employer contribution / active EE | $892 | $2,396-62.8% | $3,547-74.8% | $2,790-68.0% |
| Participant deferral / active EE | $3,518 | $3,437+2.4% | $4,924-28.6% | $4,249-17.2% |
| Admin fee / account holder | $13,517 | $8,912+51.7% | $10,340+30.7% | $8,951+51.0% |