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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 | $882,736 | $149,040+492.3% | $120,225+634.2% | $137,256+543.1% |
| Participation rate | 50.0% | 75.4%-25.4pp | 69.6%-19.6pp | 80.0%-30.0pp |
| Annual return | 13.23% | 605.68%-592.5pp | 439.23%-426.0pp | 220.34%-207.1pp |
| Employer contribution / active EE | $7,500 | $4,350+72.4% | $3,475+115.8% | $4,156+80.5% |
| Participant deferral / active EE | $15,500 | $4,655+233.0% | $3,999+287.6% | $6,407+141.9% |
| Admin fee / account holder | $14,651 | $6,348+130.8% | $5,696+157.2% | $12,270+19.4% |