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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 | $92,798+191.4% | $96,707+179.6% | $137,256+97.0% |
| Participation rate | 33.3% | 81.6%-48.3pp | 80.4%-47.0pp | 80.0%-46.6pp |
| Annual return | 12.31% | 31.24%-18.9pp | 34.78%-22.5pp | 220.34%-208.0pp |
| Employer contribution / active EE | $1,930 | $4,147-53.5% | $4,191-53.9% | $4,156-53.6% |
| Participant deferral / active EE | $8,722 | $5,877+48.4% | $5,997+45.4% | $6,407+36.1% |
| Admin fee / account holder | $3,138 | $7,946-60.5% | $7,503-58.2% | $12,270-74.4% |