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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 | $454,518 | $118,877+282.3% | $96,570+370.7% | $167,536+171.3% |
| Participation rate | 60.0% | 75.5%-15.5pp | 69.8%-9.8pp | 82.1%-22.1pp |
| Annual return | 13.62% | 50.50%-36.9pp | 37.79%-24.2pp | 478.82%-465.2pp |
| Employer contribution / active EE | $2,420 | $3,121-22.4% | $2,357+2.7% | $4,839-50.0% |
| Participant deferral / active EE | $2,691 | $4,617-41.7% | $3,849-30.1% | $6,342-57.6% |
| Admin fee / account holder | $3,871 | $8,069-52.0% | $6,182-37.4% | $12,315-68.6% |