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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 | $328,482 | $65,434+402.0% | $98,483+233.5% | $85,847+282.6% |
| Participation rate | 45.9% | 65.0%-19.1pp | 73.3%-27.4pp | 69.3%-23.4pp |
| Annual return | 12.48% | 21.75%-9.3pp | 1494.38%-1481.9pp | 318.61%-306.1pp |
| Employer contribution / active EE | $5,580 | $2,169+157.3% | $2,961+88.5% | $2,565+117.5% |
| Participant deferral / active EE | $4,843 | $3,168+52.9% | $4,276+13.3% | $3,952+22.5% |
| Admin fee / account holder | $11,172 | $4,595+143.1% | $5,953+87.7% | $6,261+78.4% |