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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 | $516,082 | $165,399+212.0% | $149,745+244.6% | $158,982+224.6% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 12.76% | 348.34%-335.6pp | 276.72%-264.0pp | 302.99%-290.2pp |
| Employer contribution / active EE | $2,283 | $5,105-55.3% | $4,646-50.9% | $4,763-52.1% |
| Participant deferral / active EE | $13,000 | $7,183+81.0% | $6,843+90.0% | $5,983+117.3% |
| Admin fee / account holder | $4,001 | $10,811-63.0% | $9,312-57.0% | $11,252-64.4% |