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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 | $64,920+523.4% | $103,693+290.3% | $86,983+365.3% |
| Participation rate | 18.5% | 63.6%-45.1pp | 72.6%-54.1pp | 69.5%-51.0pp |
| Annual return | 14.35% | 30.29%-15.9pp | 47.61%-33.3pp | 25.83%-11.5pp |
| Employer contribution / active EE | $892 | $2,141-58.3% | $2,920-69.4% | $2,584-65.5% |
| Participant deferral / active EE | $3,518 | $3,241+8.5% | $4,579-23.2% | $4,194-16.1% |
| Admin fee / account holder | $13,517 | $6,191+118.3% | $7,858+72.0% | $7,856+72.1% |