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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 | $352,542 | $63,703+453.4% | $93,063+278.8% | $82,448+327.6% |
| Participation rate | 51.5% | 63.8%-12.3pp | 72.1%-20.6pp | 68.1%-16.6pp |
| Annual return | 16.45% | -775.43%+791.9pp | 34.15%-17.7pp | 41.64%-25.2pp |
| Employer contribution / active EE | $0 | $1,729-100.0% | $2,476-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $5,793 | $2,919+98.4% | $3,958+46.3% | $4,139+39.9% |
| Admin fee / account holder | $1,886 | $5,982-68.5% | $6,033-68.7% | $7,234-73.9% |