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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 | $416,969 | $102,595+306.4% | $94,057+343.3% | $154,746+169.5% |
| Participation rate | 18.2% | 76.0%-57.8pp | 73.3%-55.2pp | 80.7%-62.5pp |
| Annual return | 12.68% | 583.42%-570.7pp | 480.62%-467.9pp | 172.34%-159.7pp |
| Employer contribution / active EE | $1,333 | $3,147-57.6% | $2,933-54.6% | $4,379-69.6% |
| Participant deferral / active EE | $4,955 | $5,118-3.2% | $4,709+5.2% | $6,730-26.4% |
| Admin fee / account holder | $1,235 | $7,736-84.0% | $7,244-83.0% | $14,365-91.4% |