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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 | $319,448 | $96,558+230.8% | $80,977+294.5% | $273,972+16.6% |
| Participation rate | 66.7% | 79.1%-12.4pp | 75.8%-9.1pp | 83.0%-16.3pp |
| Annual return | 4.47% | 15.14%-10.7pp | 17.11%-12.6pp | 41.46%-37.0pp |
| Employer contribution / active EE | $5,833 | $4,869+19.8% | $3,715+57.0% | $4,869+19.8% |
| Participant deferral / active EE | $0 | $6,598-100.0% | $5,696-100.0% | $5,287-100.0% |
| Admin fee / account holder | $3,093 | $7,493-58.7% | $5,517-43.9% | $10,133-69.5% |