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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 | $458,428 | $160,070+186.4% | $147,117+211.6% | $145,897+214.2% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 18.56% | 98.69%-80.1pp | 420.54%-402.0pp | 552.29%-533.7pp |
| Employer contribution / active EE | $0 | $5,285-100.0% | $4,932-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,506 | $8,419-58.4% | $8,065-56.5% | $6,689-47.6% |
| Admin fee / account holder | $4,187 | $15,035-72.2% | $12,993-67.8% | $13,390-68.7% |