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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 | $492,509 | $134,001+267.5% | $112,258+338.7% | $134,509+266.2% |
| Participation rate | 20.0% | 78.6%-58.6pp | 75.1%-55.1pp | 81.2%-61.2pp |
| Annual return | 39.03% | 47.15%-8.1pp | 27.47%+11.6pp | 418.13%-379.1pp |
| Employer contribution / active EE | $1,566 | $4,039-61.2% | $3,636-56.9% | $4,741-67.0% |
| Participant deferral / active EE | $5,400 | $5,291+2.1% | $4,728+14.2% | $6,400-15.6% |
| Admin fee / account holder | $2,234 | $7,491-70.2% | $6,411-65.2% | $11,427-80.4% |