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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 | $475,319 | $183,627+158.9% | $155,602+205.5% | $145,978+225.6% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 9.89% | 61.32%-51.4pp | 64.81%-54.9pp | 550.52%-540.6pp |
| Employer contribution / active EE | $1,922 | $5,316-63.8% | $4,675-58.9% | $4,662-58.8% |
| Participant deferral / active EE | $7,500 | $6,466+16.0% | $5,629+33.2% | $6,690+12.1% |
| Admin fee / account holder | $3,843 | $19,327-80.1% | $15,923-75.9% | $13,400-71.3% |