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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 | $679,859 | $111,878+507.7% | $93,727+625.4% | $145,897+366.0% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 10.80% | 204.28%-193.5pp | 133.83%-123.0pp | 552.29%-541.5pp |
| Employer contribution / active EE | $1,214 | $3,092-60.7% | $2,421-49.9% | $4,663-74.0% |
| Participant deferral / active EE | $2,337 | $4,920-52.5% | $4,417-47.1% | $6,689-65.1% |
| Admin fee / account holder | $2,132 | $10,256-79.2% | $8,292-74.3% | $13,390-84.1% |