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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 | $183,539+320.1% | $155,556+395.6% | $145,897+428.4% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 13.29% | 61.31%-48.0pp | 64.84%-51.5pp | 552.29%-539.0pp |
| Employer contribution / active EE | $10,673 | $5,315+100.8% | $4,675+128.3% | $4,663+128.9% |
| Participant deferral / active EE | $6,100 | $6,467-5.7% | $5,631+8.3% | $6,689-8.8% |
| Admin fee / account holder | $29,315 | $19,275+52.1% | $15,885+84.5% | $13,390+118.9% |