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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 | $76,522+269.3% | $56,033+404.4% | $145,884+93.7% |
| Participation rate | 60.0% | 63.2%-3.2pp | 52.5%+7.5pp | 80.3%-20.3pp |
| Annual return | 12.30% | 3014.28%-3002.0pp | 1711.38%-1699.1pp | 551.85%-539.5pp |
| Employer contribution / active EE | $2,117 | $1,382+53.1% | $1,041+103.3% | $4,662-54.6% |
| Participant deferral / active EE | $12,115 | $2,624+361.7% | $1,954+520.0% | $6,690+81.1% |
| Admin fee / account holder | $3,556 | $3,328+6.9% | $2,827+25.8% | $13,392-73.4% |