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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 | $348,011 | $129,737+168.2% | $119,126+192.1% | $154,746+124.9% |
| Participation rate | 41.2% | 78.9%-37.7pp | 75.8%-34.6pp | 80.7%-39.5pp |
| Annual return | 19.86% | 379.08%-359.2pp | 282.11%-262.2pp | 172.34%-152.5pp |
| Employer contribution / active EE | $1,888 | $4,375-56.9% | $4,034-53.2% | $4,379-56.9% |
| Participant deferral / active EE | $7,926 | $5,842+35.7% | $5,318+49.0% | $6,730+17.8% |
| Admin fee / account holder | $39,596 | $11,961+231.0% | $10,693+270.3% | $14,365+175.6% |