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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 | $383,687 | $90,691+323.1% | $76,119+404.1% | $145,884+163.0% |
| Participation rate | 36.8% | 74.5%-37.6pp | 69.1%-32.2pp | 80.3%-43.5pp |
| Annual return | 12.07% | 624.52%-612.5pp | 361.25%-349.2pp | 551.85%-539.8pp |
| Employer contribution / active EE | $1,476 | $3,329-55.7% | $2,693-45.2% | $4,662-68.3% |
| Participant deferral / active EE | $8,211 | $5,167+58.9% | $4,259+92.8% | $6,690+22.7% |
| Admin fee / account holder | $98,223 | $8,383+1071.7% | $6,421+1429.6% | $13,392+633.5% |