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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 | $1,298,834 | $175,231+641.2% | $149,696+767.6% | $139,466+831.3% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 21.92% | 166.77%-144.8pp | 134.46%-112.5pp | 373.66%-351.7pp |
| Employer contribution / active EE | $26,400 | $5,478+381.9% | $4,821+447.6% | $4,754+455.3% |
| Participant deferral / active EE | $14,190 | $6,521+117.6% | $5,682+149.7% | $6,712+111.4% |
| Admin fee / account holder | $19,926 | $16,155+23.3% | $13,212+50.8% | $11,409+74.7% |