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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 | $500,217 | $108,942+359.2% | $100,415+398.1% | $145,897+242.9% |
| Participation rate | 50.0% | 83.0%-33.0pp | 81.5%-31.5pp | 80.3%-30.3pp |
| Annual return | 13.69% | 58.27%-44.6pp | 49.47%-35.8pp | 552.29%-538.6pp |
| Employer contribution / active EE | $2,044 | $4,422-53.8% | $3,943-48.2% | $4,663-56.2% |
| Participant deferral / active EE | $6,862 | $8,461-18.9% | $8,091-15.2% | $6,689+2.6% |
| Admin fee / account holder | $13,697 | $9,702+41.2% | $7,906+73.2% | $13,390+2.3% |