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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 | $624,631 | $100,203+523.4% | $85,240+632.8% | $145,897+328.1% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 17.17% | 84.28%-67.1pp | 66.75%-49.6pp | 552.29%-535.1pp |
| Employer contribution / active EE | $2,267 | $3,242-30.1% | $2,735-17.1% | $4,663-51.4% |
| Participant deferral / active EE | $1,667 | $5,299-68.5% | $4,527-63.2% | $6,689-75.1% |
| Admin fee / account holder | $10,275 | $7,265+41.4% | $6,165+66.7% | $13,390-23.3% |