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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 | $264,073 | $72,446+264.5% | $67,561+290.9% | $145,877+81.0% |
| Participation rate | 58.3% | 76.9%-18.5pp | 72.9%-14.6pp | 80.3%-22.0pp |
| Annual return | 11.36% | 7211.98%-7200.6pp | 3525.44%-3514.1pp | 551.28%-539.9pp |
| Employer contribution / active EE | $2,774 | $3,072-9.7% | $2,735+1.4% | $4,663-40.5% |
| Participant deferral / active EE | $5,571 | $4,785+16.4% | $4,003+39.2% | $6,691-16.7% |
| Admin fee / account holder | $3,586 | $5,541-35.3% | $4,006-10.5% | $13,402-73.2% |