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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 | $486,861 | $102,595+374.5% | $94,057+417.6% | $154,746+214.6% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 80.7%-30.7pp |
| Annual return | 14.33% | 583.42%-569.1pp | 480.62%-466.3pp | 172.34%-158.0pp |
| Employer contribution / active EE | $5,441 | $3,147+72.9% | $2,933+85.5% | $4,379+24.3% |
| Participant deferral / active EE | $11,613 | $5,118+126.9% | $4,709+146.6% | $6,730+72.5% |
| Admin fee / account holder | $11,406 | $7,736+47.4% | $7,244+57.4% | $14,365-20.6% |