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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 | $407,720 | $160,028+154.8% | $147,080+177.2% | $145,884+179.5% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 17.68% | 98.60%-80.9pp | 420.17%-402.5pp | 551.85%-534.2pp |
| Employer contribution / active EE | $1,668 | $5,286-68.5% | $4,933-66.2% | $4,662-64.2% |
| Participant deferral / active EE | $5,216 | $8,422-38.1% | $8,066-35.3% | $6,690-22.0% |
| Admin fee / account holder | $41,695 | $15,030+177.4% | $12,989+221.0% | $13,392+211.3% |