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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 | $324,539 | $209,422+55.0% | $178,503+81.8% | $158,982+104.1% |
| Participation rate | 68.2% | 86.4%-18.2pp | 81.9%-13.7pp | 82.0%-13.8pp |
| Annual return | 9.63% | 188.81%-179.2pp | 151.12%-141.5pp | 302.99%-293.4pp |
| Employer contribution / active EE | $9,059 | $5,707+58.7% | $5,011+80.8% | $4,763+90.2% |
| Participant deferral / active EE | $6,031 | $5,955+1.3% | $5,202+15.9% | $5,983+0.8% |
| Admin fee / account holder | $54,170 | $17,079+217.2% | $13,987+287.3% | $11,252+381.4% |