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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 | $291,956 | $88,778+228.9% | $81,844+256.7% | $145,884+100.1% |
| Participation rate | 57.1% | 75.1%-17.9pp | 72.4%-15.2pp | 80.3%-23.2pp |
| Annual return | 15.21% | 1033.03%-1017.8pp | 778.87%-763.7pp | 551.85%-536.6pp |
| Employer contribution / active EE | $2,782 | $3,087-9.9% | $2,916-4.6% | $4,662-40.3% |
| Participant deferral / active EE | $5,634 | $4,648+21.2% | $4,323+30.3% | $6,690-15.8% |
| Admin fee / account holder | $2,608 | $8,430-69.1% | $7,355-64.5% | $13,392-80.5% |