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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 | $391,862 | $102,638+281.8% | $81,982+378.0% | $158,982+146.5% |
| Participation rate | 33.3% | 75.5%-42.2pp | 69.3%-35.9pp | 82.0%-48.6pp |
| Annual return | 39.63% | 61.05%-21.4pp | 41.31%-1.7pp | 302.99%-263.4pp |
| Employer contribution / active EE | $2,134 | $3,241-34.2% | $2,498-14.6% | $4,763-55.2% |
| Participant deferral / active EE | $5,332 | $4,649+14.7% | $3,722+43.2% | $5,983-10.9% |
| Admin fee / account holder | $25,554 | $8,237+210.2% | $5,665+351.1% | $11,252+127.1% |