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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 | $770,991 | $183,592+319.9% | $155,574+395.6% | $145,877+428.5% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 13.29% | 61.37%-48.1pp | 64.87%-51.6pp | 551.28%-538.0pp |
| Employer contribution / active EE | $10,673 | $5,317+100.7% | $4,676+128.3% | $4,663+128.9% |
| Participant deferral / active EE | $6,100 | $6,466-5.7% | $5,629+8.4% | $6,691-8.8% |
| Admin fee / account holder | $29,315 | $19,316+51.8% | $15,914+84.2% | $13,402+118.7% |