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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 | $76,522+302.5% | $56,033+449.7% | $145,884+111.1% |
| Participation rate | 50.0% | 63.2%-13.2pp | 52.5%-2.5pp | 80.3%-30.3pp |
| Annual return | 13.68% | 3014.28%-3000.6pp | 1711.38%-1697.7pp | 551.85%-538.2pp |
| Employer contribution / active EE | $965 | $1,382-30.2% | $1,041-7.3% | $4,662-79.3% |
| Participant deferral / active EE | $4,625 | $2,624+76.2% | $1,954+136.7% | $6,690-30.9% |
| Admin fee / account holder | $3,554 | $3,328+6.8% | $2,827+25.7% | $13,392-73.5% |