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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 | $399,216 | $183,627+117.4% | $155,602+156.6% | $145,978+173.5% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.3pp | 80.3%-37.4pp |
| Annual return | 13.00% | 61.32%-48.3pp | 64.81%-51.8pp | 550.52%-537.5pp |
| Employer contribution / active EE | $2,511 | $5,316-52.8% | $4,675-46.3% | $4,662-46.1% |
| Participant deferral / active EE | $5,629 | $6,466-12.9% | $5,6290% | $6,690-15.9% |
| Admin fee / account holder | $51,703 | $19,327+167.5% | $15,923+224.7% | $13,400+285.8% |