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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 | $805,804 | $176,120+357.5% | $159,487+405.2% | $167,553+380.9% |
| Participation rate | 50.0% | 85.0%-35.0pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 11.11% | 331.95%-320.8pp | 263.71%-252.6pp | 478.89%-467.8pp |
| Employer contribution / active EE | $4,226 | $5,299-20.3% | $4,831-12.5% | $4,840-12.7% |
| Participant deferral / active EE | $11,535 | $7,752+48.8% | $7,354+56.9% | $6,343+81.9% |
| Admin fee / account holder | $1,450 | $12,561-88.5% | $10,804-86.6% | $12,316-88.2% |