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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 | $291,682 | $72,269+303.6% | $101,271+188.0% | $79,852+265.3% |
| Participation rate | 26.7% | 68.5%-41.8pp | 75.8%-49.1pp | 69.6%-43.0pp |
| Annual return | 47.54% | 22.29%+25.2pp | 46.48%+1.1pp | 31.72%+15.8pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,036 | $3,282-38.0% | $4,371-53.4% | $3,740-45.6% |
| Admin fee / account holder | $6,549 | $4,401+48.8% | $5,948+10.1% | $5,306+23.4% |