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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 | $468,110 | $182,442+156.6% | $163,379+186.5% | $138,895+237.0% |
| Participation rate | 61.5% | 79.8%-18.2pp | 76.8%-15.3pp | 79.9%-18.4pp |
| Annual return | 17.35% | 72.74%-55.4pp | 63.41%-46.1pp | 145.39%-128.0pp |
| Employer contribution / active EE | $0 | $4,159-100.0% | $3,752-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $19,233 | $6,817+182.1% | $6,282+206.2% | $6,396+200.7% |
| Admin fee / account holder | $54,911 | $10,396+428.2% | $9,818+459.3% | $12,562+337.1% |