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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 | $287,854 | $180,749+59.3% | $160,784+79.0% | $137,256+109.7% |
| Participation rate | 57.9% | 80.0%-22.1pp | 77.0%-19.1pp | 80.0%-22.1pp |
| Annual return | 13.92% | 2234.46%-2220.5pp | 1803.92%-1790.0pp | 220.34%-206.4pp |
| Employer contribution / active EE | $9,494 | $4,155+128.5% | $3,733+154.3% | $4,156+128.4% |
| Participant deferral / active EE | $14,450 | $6,844+111.1% | $6,293+129.6% | $6,407+125.5% |
| Admin fee / account holder | $52,241 | $10,397+402.5% | $9,717+437.6% | $12,270+325.8% |