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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 | $469,792 | $104,953+347.6% | $84,637+455.1% | $152,909+207.2% |
| Participation rate | 40.0% | 74.8%-34.8pp | 68.2%-28.2pp | 82.5%-42.5pp |
| Annual return | 19.61% | 373.94%-354.3pp | 258.82%-239.2pp | 345.46%-325.9pp |
| Employer contribution / active EE | $1,818 | $3,304-45.0% | $2,653-31.5% | $4,764-61.8% |
| Participant deferral / active EE | $10,000 | $4,691+113.2% | $3,900+156.4% | $5,851+70.9% |
| Admin fee / account holder | $4,656 | $6,244-25.4% | $4,914-5.3% | $11,601-59.9% |