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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 | $497,206 | $160,070+210.6% | $147,117+238.0% | $145,897+240.8% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 12.66% | 98.69%-86.0pp | 420.54%-407.9pp | 552.29%-539.6pp |
| Employer contribution / active EE | $2,139 | $5,285-59.5% | $4,932-56.6% | $4,663-54.1% |
| Participant deferral / active EE | $10,648 | $8,419+26.5% | $8,065+32.0% | $6,689+59.2% |
| Admin fee / account holder | $3,142 | $15,035-79.1% | $12,993-75.8% | $13,390-76.5% |