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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 | $482,367 | $88,672+444.0% | $105,223+358.4% | $82,448+485.1% |
| Participation rate | 21.2% | 67.9%-46.7pp | 75.0%-53.8pp | 68.1%-46.9pp |
| Annual return | 16.20% | 30.86%-14.7pp | 180.65%-164.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $5,583 | $3,048+83.2% | $3,689+51.4% | $2,551+118.9% |
| Participant deferral / active EE | $3,040 | $4,036-24.7% | $5,072-40.1% | $4,139-26.6% |
| Admin fee / account holder | $151,501 | $7,146+2020.1% | $8,859+1610.2% | $7,234+1994.2% |