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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 | $441,613 | $102,663+330.2% | $86,216+412.2% | $139,466+216.6% |
| Participation rate | 52.9% | 74.5%-21.6pp | 69.0%-16.0pp | 80.3%-27.4pp |
| Annual return | 18.46% | 1924.52%-1906.1pp | 1169.42%-1151.0pp | 373.66%-355.2pp |
| Employer contribution / active EE | $1,450 | $3,035-52.2% | $2,382-39.1% | $4,754-69.5% |
| Participant deferral / active EE | $4,010 | $4,677-14.3% | $3,986+0.6% | $6,712-40.3% |
| Admin fee / account holder | $3,895 | $8,663-55.0% | $6,853-43.2% | $11,409-65.9% |