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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 | $553,924 | $232,540+138.2% | $185,117+199.2% | $147,586+275.3% |
| Participation rate | 60.0% | 82.4%-22.4pp | 77.3%-17.3pp | 82.8%-22.8pp |
| Annual return | 17.55% | 43.03%-25.5pp | 40.50%-22.9pp | 578.59%-561.0pp |
| Employer contribution / active EE | $17,537 | $5,195+237.6% | $4,182+319.4% | $4,876+259.6% |
| Participant deferral / active EE | $0 | $5,834-100.0% | $5,045-100.0% | $5,439-100.0% |
| Admin fee / account holder | $27,718 | $10,275+169.8% | $8,159+239.7% | $10,886+154.6% |