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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 | $270,405 | $152,074+77.8% | $137,474+96.7% | $198,609+36.1% |
| Participation rate | 33.3% | 85.3%-52.0pp | 83.5%-50.2pp | 82.4%-49.0pp |
| Annual return | 12.31% | 10.68%+1.6pp | 11.53%+0.8pp | 202.70%-190.4pp |
| Employer contribution / active EE | $1,930 | $5,444-64.5% | $5,048-61.8% | $5,055-61.8% |
| Participant deferral / active EE | $8,722 | $6,522+33.7% | $6,155+41.7% | $6,977+25.0% |
| Admin fee / account holder | $3,138 | $11,950-73.7% | $10,602-70.4% | $19,030-83.5% |