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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 | $258,458 | $56,063+361.0% | $76,051+239.8% | $80,911+219.4% |
| Participation rate | 25.8% | 62.0%-36.2pp | 69.1%-43.3pp | 67.6%-41.8pp |
| Annual return | 17.09% | 20.54%-3.5pp | 360.42%-343.3pp | 35.63%-18.5pp |
| Employer contribution / active EE | $0 | $1,874-100.0% | $2,690-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,636 | $3,052-46.4% | $4,257-61.6% | $4,297-61.9% |
| Admin fee / account holder | $3,111 | $5,240-40.6% | $6,416-51.5% | $6,935-55.1% |