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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 | $1,107,389 | $175,231+532.0% | $149,696+639.8% | $139,466+694.0% |
| Participation rate | 57.1% | 83.4%-26.2pp | 78.8%-21.6pp | 80.3%-23.2pp |
| Annual return | 33.16% | 166.77%-133.6pp | 134.46%-101.3pp | 373.66%-340.5pp |
| Employer contribution / active EE | $2,186 | $5,478-60.1% | $4,821-54.6% | $4,754-54.0% |
| Participant deferral / active EE | $6,171 | $6,521-5.4% | $5,682+8.6% | $6,712-8.1% |
| Admin fee / account holder | $30,153 | $16,155+86.6% | $13,212+128.2% | $11,409+164.3% |