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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 | $264,247 | $169,361+56.0% | $129,397+104.2% | $145,877+81.1% |
| Participation rate | 20.0% | 76.5%-56.5pp | 69.6%-49.6pp | 80.3%-60.3pp |
| Annual return | 11.29% | 14395.54%-14384.3pp | 9453.98%-9442.7pp | 551.28%-540.0pp |
| Employer contribution / active EE | $520 | $5,542-90.6% | $4,154-87.5% | $4,663-88.8% |
| Participant deferral / active EE | $6,000 | $4,987+20.3% | $4,167+44.0% | $6,691-10.3% |
| Admin fee / account holder | $1,037 | $9,903-89.5% | $7,679-86.5% | $13,402-92.3% |