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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 | $482,559 | $96,956+397.7% | $69,779+591.5% | $273,972+76.1% |
| Participation rate | 50.0% | 77.1%-27.1pp | 71.8%-21.8pp | 83.0%-33.0pp |
| Annual return | 6.08% | 12.93%-6.9pp | 12.99%-6.9pp | 41.46%-35.4pp |
| Employer contribution / active EE | $8,972 | $3,316+170.6% | $2,338+283.7% | $4,869+84.3% |
| Participant deferral / active EE | $0 | $3,744-100.0% | $2,931-100.0% | $5,287-100.0% |
| Admin fee / account holder | $14,407 | $7,934+81.6% | $4,381+228.8% | $10,133+42.2% |