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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 | $526,624 | $160,070+229.0% | $147,117+258.0% | $145,897+261.0% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 20.44% | 98.69%-78.3pp | 420.54%-400.1pp | 552.29%-531.9pp |
| Employer contribution / active EE | $10,089 | $5,285+90.9% | $4,932+104.5% | $4,663+116.4% |
| Participant deferral / active EE | $10,726 | $8,419+27.4% | $8,065+33.0% | $6,689+60.3% |
| Admin fee / account holder | $54,341 | $15,035+261.4% | $12,993+318.2% | $13,390+305.8% |