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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 | $490,791 | $171,492+186.2% | $150,734+225.6% | $198,609+147.1% |
| Participation rate | 22.7% | 81.4%-58.7pp | 78.4%-55.7pp | 82.4%-59.7pp |
| Annual return | 14.08% | 804.70%-790.6pp | 600.81%-586.7pp | 202.70%-188.6pp |
| Employer contribution / active EE | $0 | $5,470-100.0% | $4,918-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $2,810 | $6,259-55.1% | $5,610-49.9% | $6,977-59.7% |
| Admin fee / account holder | $14,881 | $17,628-15.6% | $14,905-0.2% | $19,030-21.8% |