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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 | $521,664 | $85,171+512.5% | $172,753+202.0% | $72,976+614.8% |
| Participation rate | 20.0% | 70.1%-50.1pp | 82.6%-62.6pp | 69.5%-49.5pp |
| Annual return | 42.34% | 27.32%+15.0pp | 803.00%-760.7pp | 81.02%-38.7pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,110 | $3,260+87.4% | $5,198+17.6% | $3,608+69.4% |
| Admin fee / account holder | $854 | $5,880-85.5% | $13,956-93.9% | $5,124-83.3% |