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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 | $292,637 | $157,296+86.0% | $141,191+107.3% | $152,897+91.4% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 19.63% | 64.34%-44.7pp | 71.41%-51.8pp | 345.43%-325.8pp |
| Employer contribution / active EE | $17,506 | $5,262+232.7% | $4,736+269.6% | $4,764+267.5% |
| Participant deferral / active EE | $15,544 | $7,111+118.6% | $6,710+131.6% | $5,851+165.7% |
| Admin fee / account holder | $8,890 | $12,125-26.7% | $10,264-13.4% | $11,599-23.4% |