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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 | $100,073+524.2% | $85,126+633.8% | $145,877+328.2% |
| Participation rate | 33.3% | 74.1%-40.8pp | 67.5%-34.2pp | 80.3%-47.0pp |
| Annual return | 17.17% | 84.11%-66.9pp | 66.63%-49.5pp | 551.28%-534.1pp |
| Employer contribution / active EE | $2,267 | $3,236-30.0% | $2,731-17.0% | $4,663-51.4% |
| Participant deferral / active EE | $1,667 | $5,294-68.5% | $4,523-63.2% | $6,691-75.1% |
| Admin fee / account holder | $10,275 | $7,261+41.5% | $6,160+66.8% | $13,402-23.3% |