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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 | $269,531 | $109,872+145.3% | $98,483+173.7% | $167,536+60.9% |
| Participation rate | 66.7% | 75.8%-9.2pp | 73.3%-6.7pp | 82.1%-15.4pp |
| Annual return | 13.97% | 1959.31%-1945.3pp | 1494.38%-1480.4pp | 478.82%-464.8pp |
| Employer contribution / active EE | $3,473 | $3,225+7.7% | $2,961+17.3% | $4,839-28.2% |
| Participant deferral / active EE | $10,557 | $4,673+125.9% | $4,276+146.9% | $6,342+66.5% |
| Admin fee / account holder | $4,920 | $6,757-27.2% | $5,953-17.3% | $12,315-60.0% |