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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 | $299,162 | $185,905+60.9% | $170,057+75.9% | $139,487+114.5% |
| Participation rate | 62.5% | 87.8%-25.3pp | 87.0%-24.5pp | 80.3%-17.8pp |
| Annual return | 34.75% | 60.56%-25.8pp | 53.42%-18.7pp | 373.84%-339.1pp |
| Employer contribution / active EE | $13,133 | $7,597+72.9% | $6,790+93.4% | $4,755+176.2% |
| Participant deferral / active EE | $9,293 | $11,627-20.1% | $10,411-10.7% | $6,713+38.4% |
| Admin fee / account holder | $142,803 | $15,397+827.5% | $12,826+1013.4% | $11,407+1151.9% |