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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 | $425,524 | $88,710+379.7% | $81,783+420.3% | $145,959+191.5% |
| Participation rate | 62.5% | 75.0%-12.5pp | 72.4%-9.9pp | 80.3%-17.8pp |
| Annual return | 17.75% | 1027.26%-1009.5pp | 775.05%-757.3pp | 561.95%-544.2pp |
| Employer contribution / active EE | $12,641 | $3,083+310.0% | $2,913+334.0% | $4,661+171.2% |
| Participant deferral / active EE | $1,019 | $4,645-78.1% | $4,320-76.4% | $6,689-84.8% |
| Admin fee / account holder | $30,578 | $8,407+263.7% | $7,380+314.3% | $13,398+128.2% |