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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 | $282,607 | $76,634+268.8% | $56,054+404.2% | $145,978+93.6% |
| Participation rate | 60.0% | 63.2%-3.2pp | 52.5%+7.5pp | 80.3%-20.3pp |
| Annual return | 12.30% | 3004.33%-2992.0pp | 1705.95%-1693.6pp | 550.52%-538.2pp |
| Employer contribution / active EE | $2,117 | $1,380+53.3% | $1,039+103.7% | $4,662-54.6% |
| Participant deferral / active EE | $12,115 | $2,622+362.0% | $1,952+520.6% | $6,690+81.1% |
| Admin fee / account holder | $3,556 | $3,321+7.1% | $2,822+26.0% | $13,400-73.5% |