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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 | $492,079 | $111,878+339.8% | $93,727+425.0% | $145,897+237.3% |
| Participation rate | 19.0% | 74.2%-55.2pp | 68.7%-49.7pp | 80.3%-61.3pp |
| Annual return | 50.27% | 204.28%-154.0pp | 133.83%-83.6pp | 552.29%-502.0pp |
| Employer contribution / active EE | $658 | $3,092-78.7% | $2,421-72.8% | $4,663-85.9% |
| Participant deferral / active EE | $2,905 | $4,920-41.0% | $4,417-34.2% | $6,689-56.6% |
| Admin fee / account holder | $4,514 | $10,256-56.0% | $8,292-45.6% | $13,390-66.3% |