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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 | $250,838 | $86,298+190.7% | $111,308+125.4% | $85,847+192.2% |
| Participation rate | 63.3% | 73.3%-10.0pp | 77.3%-14.0pp | 69.3%-6.0pp |
| Annual return | 15.24% | 19.99%-4.7pp | 54.67%-39.4pp | 318.61%-303.4pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,402 | $3,641-6.6% | $4,487-24.2% | $3,952-13.9% |
| Admin fee / account holder | $7,234 | $8,189-11.7% | $7,965-9.2% | $6,261+15.6% |