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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 | $160,040+216.5% | $147,096+244.3% | $145,877+247.2% |
| Participation rate | 53.3% | 84.0%-30.7pp | 82.2%-28.8pp | 80.3%-27.0pp |
| Annual return | 16.71% | 98.49%-81.8pp | 419.75%-403.0pp | 551.28%-534.6pp |
| Employer contribution / active EE | $2,351 | $5,289-55.6% | $4,936-52.4% | $4,663-49.6% |
| Participant deferral / active EE | $4,052 | $8,429-51.9% | $8,071-49.8% | $6,691-39.4% |
| Admin fee / account holder | $19,181 | $15,050+27.4% | $13,005+47.5% | $13,402+43.1% |