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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 | $345,420 | $129,737+166.2% | $119,126+190.0% | $154,746+123.2% |
| Participation rate | 21.1% | 78.9%-57.8pp | 75.8%-54.7pp | 80.7%-59.6pp |
| Annual return | 13.48% | 379.08%-365.6pp | 282.11%-268.6pp | 172.34%-158.9pp |
| Employer contribution / active EE | $0 | $4,375-100.0% | $4,034-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,135 | $5,842-29.2% | $5,318-22.2% | $6,730-38.6% |
| Admin fee / account holder | $7,274 | $11,961-39.2% | $10,693-32.0% | $14,365-49.4% |