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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 | $308,021 | $76,519+302.5% | $56,025+449.8% | $145,897+111.1% |
| Participation rate | 50.0% | 63.2%-13.2pp | 52.5%-2.5pp | 80.3%-30.3pp |
| Annual return | 13.68% | 3017.03%-3003.3pp | 1712.69%-1699.0pp | 552.29%-538.6pp |
| Employer contribution / active EE | $965 | $1,383-30.2% | $1,042-7.3% | $4,663-79.3% |
| Participant deferral / active EE | $4,625 | $2,624+76.2% | $1,955+136.6% | $6,689-30.9% |
| Admin fee / account holder | $3,554 | $3,331+6.7% | $2,828+25.7% | $13,390-73.5% |