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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 | $506,132 | $114,093+343.6% | $96,171+426.3% | $167,536+202.1% |
| Participation rate | 60.0% | 75.1%-15.1pp | 68.4%-8.4pp | 82.1%-22.1pp |
| Annual return | 14.62% | 190.00%-175.4pp | 192.04%-177.4pp | 478.82%-464.2pp |
| Employer contribution / active EE | $6,387 | $3,429+86.2% | $2,799+128.2% | $4,839+32.0% |
| Participant deferral / active EE | $4,975 | $5,197-4.3% | $4,350+14.4% | $6,342-21.6% |
| Admin fee / account holder | $3,530 | $6,899-48.8% | $5,538-36.3% | $12,315-71.3% |