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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 | $70,366+591.9% | $66,674+630.2% | $138,895+250.5% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.7%-23.7pp | 79.9%-29.9pp |
| Annual return | 14.33% | 386.41%-372.1pp | 321.24%-306.9pp | 145.39%-131.1pp |
| Employer contribution / active EE | $5,441 | $2,765+96.8% | $2,620+107.7% | $4,194+29.7% |
| Participant deferral / active EE | $11,613 | $4,374+165.5% | $4,084+184.3% | $6,396+81.6% |
| Admin fee / account holder | $11,406 | $5,262+116.7% | $5,098+123.7% | $12,562-9.2% |