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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 | $409,529 | $228,352+79.3% | $185,835+120.4% | $158,966+157.6% |
| Participation rate | 50.0% | 82.3%-32.3pp | 78.0%-28.0pp | 82.0%-32.0pp |
| Annual return | 5.71% | 40.81%-35.1pp | 35.96%-30.3pp | 302.95%-297.2pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,087-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $9,089 | $6,416+41.7% | $5,633+61.3% | $5,983+51.9% |
| Admin fee / account holder | $4,012 | $11,867-66.2% | $9,502-57.8% | $11,250-64.3% |