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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 | $593,316 | $160,040+270.7% | $147,096+303.4% | $145,877+306.7% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 204.57% | 98.49%+106.1pp | 419.75%-215.2pp | 551.28%-346.7pp |
| Employer contribution / active EE | $2,020 | $5,289-61.8% | $4,936-59.1% | $4,663-56.7% |
| Participant deferral / active EE | $13,135 | $8,429+55.8% | $8,071+62.7% | $6,691+96.3% |
| Admin fee / account holder | $5,632 | $15,050-62.6% | $13,005-56.7% | $13,402-58.0% |