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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 | $402,548 | $103,008+290.8% | $90,304+345.8% | $152,897+163.3% |
| Participation rate | 33.3% | 75.9%-42.5pp | 73.3%-39.9pp | 82.5%-49.1pp |
| Annual return | 22.31% | 95.22%-72.9pp | 78.13%-55.8pp | 345.43%-323.1pp |
| Employer contribution / active EE | $13,385 | $3,139+326.3% | $2,855+368.8% | $4,764+181.0% |
| Participant deferral / active EE | $6,333 | $4,281+47.9% | $3,885+63.0% | $5,851+8.2% |
| Admin fee / account holder | $28,870 | $6,175+367.6% | $5,354+439.2% | $11,599+148.9% |