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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 | $394,637 | $106,524+270.5% | $152,301+159.1% | $87,485+351.1% |
| Participation rate | 44.4% | 75.8%-31.3pp | 82.4%-38.0pp | 68.9%-24.5pp |
| Annual return | 16.14% | 26.89%-10.8pp | 80.50%-64.4pp | 26.06%-9.9pp |
| Employer contribution / active EE | $1,611 | $3,371-52.2% | $4,624-65.2% | $2,596-37.9% |
| Participant deferral / active EE | $2,677 | $6,525-59.0% | $8,004-66.5% | $4,274-37.4% |
| Admin fee / account holder | $29,926 | $8,287+261.1% | $14,398+107.9% | $7,775+284.9% |