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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 | $482,367 | $93,345+416.8% | $119,126+304.9% | $87,485+451.4% |
| Participation rate | 21.2% | 68.7%-47.5pp | 75.8%-54.5pp | 68.9%-47.7pp |
| Annual return | 16.20% | 19.08%-2.9pp | 282.11%-265.9pp | 26.06%-9.9pp |
| Employer contribution / active EE | $5,583 | $3,172+76.0% | $4,034+38.4% | $2,596+115.0% |
| Participant deferral / active EE | $3,040 | $4,099-25.8% | $5,318-42.8% | $4,274-28.9% |
| Admin fee / account holder | $151,501 | $8,039+1784.7% | $10,693+1316.8% | $7,775+1848.6% |