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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 | $88,778+379.3% | $81,844+419.9% | $145,884+191.7% |
| Participation rate | 62.5% | 75.1%-12.6pp | 72.4%-9.9pp | 80.3%-17.8pp |
| Annual return | 17.75% | 1033.03%-1015.3pp | 778.87%-761.1pp | 551.85%-534.1pp |
| Employer contribution / active EE | $12,641 | $3,087+309.5% | $2,916+333.4% | $4,662+171.1% |
| Participant deferral / active EE | $1,019 | $4,648-78.1% | $4,323-76.4% | $6,690-84.8% |
| Admin fee / account holder | $30,578 | $8,430+262.7% | $7,355+315.7% | $13,392+128.3% |