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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 | $359,520 | $102,422+251.0% | $147,117+144.4% | $80,959+344.1% |
| Participation rate | 64.3% | 75.9%-11.6pp | 82.2%-17.9pp | 67.7%-3.4pp |
| Annual return | 61.88% | 135.16%-73.3pp | 420.54%-358.7pp | 35.67%+26.2pp |
| Employer contribution / active EE | $1,291 | $3,717-65.3% | $4,932-73.8% | $2,757-53.2% |
| Participant deferral / active EE | $10,410 | $6,652+56.5% | $8,065+29.1% | $4,300+142.1% |
| Admin fee / account holder | $58,611 | $7,953+636.9% | $12,993+351.1% | $6,925+746.3% |