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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 | $276,245 | $117,829+134.4% | $102,423+169.7% | $145,877+89.4% |
| Participation rate | 66.7% | 78.6%-11.9pp | 76.5%-9.8pp | 80.3%-13.6pp |
| Annual return | 12.20% | 31.83%-19.6pp | 29.42%-17.2pp | 551.28%-539.1pp |
| Employer contribution / active EE | $0 | $3,615-100.0% | $3,023-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,290 | $5,732-60.0% | $5,054-54.7% | $6,691-65.8% |
| Admin fee / account holder | $6,904 | $13,335-48.2% | $9,455-27.0% | $13,402-48.5% |