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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 | $468,687 | $180,749+159.3% | $160,784+191.5% | $137,256+241.5% |
| Participation rate | 50.0% | 80.0%-30.0pp | 77.0%-27.0pp | 80.0%-30.0pp |
| Annual return | 10.56% | 2234.46%-2223.9pp | 1803.92%-1793.4pp | 220.34%-209.8pp |
| Employer contribution / active EE | $1,564 | $4,155-62.4% | $3,733-58.1% | $4,156-62.4% |
| Participant deferral / active EE | $16,241 | $6,844+137.3% | $6,293+158.1% | $6,407+153.5% |
| Admin fee / account holder | $270,653 | $10,397+2503.2% | $9,717+2685.4% | $12,270+2105.8% |