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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 | $626,054 | $217,432+187.9% | $185,849+236.9% | $167,536+273.7% |
| Participation rate | 27.3% | 86.1%-58.8pp | 81.7%-54.4pp | 82.1%-54.8pp |
| Annual return | 12.22% | 148.42%-136.2pp | 122.10%-109.9pp | 478.82%-466.6pp |
| Employer contribution / active EE | $4,970 | $5,875-15.4% | $5,169-3.8% | $4,839+2.7% |
| Participant deferral / active EE | $3,080 | $6,357-51.6% | $5,569-44.7% | $6,342-51.4% |
| Admin fee / account holder | $3,901 | $19,818-80.3% | $16,244-76.0% | $12,315-68.3% |