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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 | $259,937 | $124,330+109.1% | $109,173+138.1% | $167,536+55.2% |
| Participation rate | 30.0% | 79.5%-49.5pp | 75.9%-45.9pp | 82.1%-52.1pp |
| Annual return | 20.13% | 26.04%-5.9pp | 25.75%-5.6pp | 478.82%-458.7pp |
| Employer contribution / active EE | $0 | $4,209-100.0% | $3,723-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,396 | $5,256+2.6% | $4,654+15.9% | $6,342-14.9% |
| Admin fee / account holder | $20,999 | $7,974+163.3% | $6,755+210.9% | $12,315+70.5% |