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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 | $371,564 | $148,623+150.0% | $135,974+173.3% | $139,466+166.4% |
| Participation rate | 45.5% | 83.9%-38.4pp | 81.9%-36.5pp | 80.3%-34.9pp |
| Annual return | 26.63% | 79.30%-52.7pp | 68.30%-41.7pp | 373.66%-347.0pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $4,131 | $8,103-49.0% | $7,760-46.8% | $6,712-38.5% |
| Admin fee / account holder | $38,727 | $12,406+212.2% | $10,767+259.7% | $11,409+239.4% |