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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 | $111,785+340.2% | $93,669+425.3% | $145,877+237.3% |
| Participation rate | 19.0% | 74.2%-55.2pp | 68.7%-49.7pp | 80.3%-61.3pp |
| Annual return | 50.27% | 203.79%-153.5pp | 133.59%-83.3pp | 551.28%-501.0pp |
| Employer contribution / active EE | $658 | $3,096-78.7% | $2,424-72.8% | $4,663-85.9% |
| Participant deferral / active EE | $2,905 | $4,919-40.9% | $4,416-34.2% | $6,691-56.6% |
| Admin fee / account holder | $4,514 | $10,256-56.0% | $8,291-45.6% | $13,402-66.3% |