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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 | $354,712 | $185,225+91.5% | $142,898+148.2% | $167,536+111.7% |
| Participation rate | 60.0% | 78.5%-18.5pp | 72.0%-12.0pp | 82.1%-22.1pp |
| Annual return | 10.34% | 8558.12%-8547.8pp | 5639.64%-5629.3pp | 478.82%-468.5pp |
| Employer contribution / active EE | $0 | $5,607-100.0% | $4,146-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,636 | $4,496+25.4% | $3,838+46.8% | $6,342-11.1% |
| Admin fee / account holder | $1,629 | $8,032-79.7% | $6,560-75.2% | $12,315-86.8% |