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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 | $554,095 | $88,754+524.3% | $81,820+577.2% | $145,877+279.8% |
| Participation rate | 55.0% | 75.1%-20.1pp | 72.4%-17.4pp | 80.3%-25.3pp |
| Annual return | 10.35% | 1031.77%-1021.4pp | 777.93%-767.6pp | 551.28%-540.9pp |
| Employer contribution / active EE | $2,132 | $3,085-30.9% | $2,915-26.9% | $4,663-54.3% |
| Participant deferral / active EE | $8,889 | $4,648+91.3% | $4,323+105.6% | $6,691+32.9% |
| Admin fee / account holder | $51,496 | $8,424+511.3% | $7,391+596.8% | $13,402+284.2% |