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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 | $87,166+358.1% | $76,735+420.4% | $137,256+190.9% |
| Participation rate | 50.0% | 74.4%-24.4pp | 69.5%-19.5pp | 80.0%-30.0pp |
| Annual return | 18.26% | 26.50%-8.2pp | 29.77%-11.5pp | 220.34%-202.1pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $2,454-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $4,437 | $4,726-6.1% | $4,088+8.5% | $6,407-30.7% |
| Admin fee / account holder | $26,477 | $8,403+215.1% | $7,189+268.3% | $12,270+115.8% |