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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 | $399,314 | $107,733+270.7% | $92,985+329.4% | $154,746+158.0% |
| Participation rate | 50.0% | 74.6%-24.6pp | 69.5%-19.5pp | 80.7%-30.7pp |
| Annual return | 18.26% | 30.39%-12.1pp | 27.99%-9.7pp | 172.34%-154.1pp |
| Employer contribution / active EE | $0 | $3,126-100.0% | $2,662-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,437 | $5,053-12.2% | $4,377+1.4% | $6,730-34.1% |
| Admin fee / account holder | $26,477 | $11,369+132.9% | $9,463+179.8% | $14,365+84.3% |