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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 | $506,483 | $160,070+216.4% | $147,117+244.3% | $145,897+247.2% |
| Participation rate | 53.3% | 84.0%-30.7pp | 82.2%-28.9pp | 80.3%-27.0pp |
| Annual return | 16.71% | 98.69%-82.0pp | 420.54%-403.8pp | 552.29%-535.6pp |
| Employer contribution / active EE | $2,351 | $5,285-55.5% | $4,932-52.3% | $4,663-49.6% |
| Participant deferral / active EE | $4,052 | $8,419-51.9% | $8,065-49.8% | $6,689-39.4% |
| Admin fee / account holder | $19,181 | $15,035+27.6% | $12,993+47.6% | $13,390+43.2% |