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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 | $441,369 | $152,619+189.2% | $125,195+252.5% | $152,909+188.6% |
| Participation rate | 50.0% | 83.3%-33.3pp | 79.8%-29.8pp | 82.5%-32.5pp |
| Annual return | 25.04% | 54.85%-29.8pp | 43.79%-18.8pp | 345.46%-320.4pp |
| Employer contribution / active EE | $6,400 | $4,947+29.4% | $3,866+65.5% | $4,764+34.3% |
| Participant deferral / active EE | $9,500 | $5,869+61.9% | $4,937+92.4% | $5,851+62.4% |
| Admin fee / account holder | $8,341 | $13,437-37.9% | $9,704-14.1% | $11,601-28.1% |