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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 | $348,049 | $80,812+330.7% | $160,784+116.5% | $82,448+322.1% |
| Participation rate | 60.8% | 66.2%-5.4pp | 77.0%-16.1pp | 68.1%-7.3pp |
| Annual return | 13.72% | 100.59%-86.9pp | 1803.92%-1790.2pp | 41.64%-27.9pp |
| Employer contribution / active EE | $9,245 | $2,174+325.3% | $3,733+147.7% | $2,551+262.4% |
| Participant deferral / active EE | $8,487 | $4,335+95.8% | $6,293+34.9% | $4,139+105.0% |
| Admin fee / account holder | $9,101 | $7,695+18.3% | $9,717-6.3% | $7,234+25.8% |