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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 | $55,889+362.5% | $76,119+239.5% | $80,935+219.3% |
| Participation rate | 25.8% | 62.1%-36.3pp | 69.1%-43.3pp | 67.7%-41.9pp |
| Annual return | 17.09% | 20.58%-3.5pp | 361.25%-344.2pp | 35.66%-18.6pp |
| Employer contribution / active EE | $0 | $1,866-100.0% | $2,693-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,636 | $3,051-46.4% | $4,259-61.6% | $4,299-62.0% |
| Admin fee / account holder | $3,111 | $5,241-40.7% | $6,421-51.6% | $6,924-55.1% |