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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 | $420,335 | $102,385+310.5% | $147,080+185.8% | $80,935+419.3% |
| Participation rate | 54.7% | 75.9%-21.2pp | 82.2%-27.5pp | 67.7%-12.9pp |
| Annual return | 19.42% | 135.09%-115.7pp | 420.17%-400.8pp | 35.66%-16.2pp |
| Employer contribution / active EE | $12,636 | $3,717+240.0% | $4,933+156.1% | $2,757+358.4% |
| Participant deferral / active EE | $18,347 | $6,651+175.9% | $8,066+127.5% | $4,299+326.7% |
| Admin fee / account holder | $23,570 | $7,951+196.4% | $12,989+81.5% | $6,924+240.4% |