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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 | $490,791 | $111,535+340.0% | $105,223+366.4% | $137,256+257.6% |
| Participation rate | 22.7% | 78.1%-55.4pp | 75.0%-52.3pp | 80.0%-57.2pp |
| Annual return | 14.08% | 237.85%-223.8pp | 180.65%-166.6pp | 220.34%-206.3pp |
| Employer contribution / active EE | $0 | $3,939-100.0% | $3,689-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,810 | $5,500-48.9% | $5,072-44.6% | $6,407-56.1% |
| Admin fee / account holder | $14,881 | $9,721+53.1% | $8,859+68.0% | $12,270+21.3% |