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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 | $1,523,744 | $91,198+1570.8% | $178,503+753.6% | $79,856+1808.1% |
| Participation rate | 1.7% | 69.2%-67.5pp | 81.9%-80.2pp | 69.6%-67.9pp |
| Annual return | 13.95% | 24.20%-10.3pp | 151.12%-137.2pp | 31.71%-17.8pp |
| Employer contribution / active EE | $5,092 | $3,257+56.4% | $5,011+1.6% | $2,471+106.1% |
| Participant deferral / active EE | $3,290 | $3,237+1.6% | $5,202-36.8% | $3,741-12.1% |
| Admin fee / account holder | $156,702 | $6,748+2222.1% | $13,987+1020.3% | $5,306+2853.1% |