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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 | $533,507 | $160,040+233.4% | $147,096+262.7% | $145,877+265.7% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 12.04% | 98.49%-86.5pp | 419.75%-407.7pp | 551.28%-539.2pp |
| Employer contribution / active EE | $3,916 | $5,289-26.0% | $4,936-20.7% | $4,663-16.0% |
| Participant deferral / active EE | $12,200 | $8,429+44.7% | $8,071+51.2% | $6,691+82.3% |
| Admin fee / account holder | $38,673 | $15,050+157.0% | $13,005+197.4% | $13,402+188.6% |