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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 | $303,180 | $202,342+49.8% | $172,752+75.5% | $152,897+98.3% |
| Participation rate | 60.0% | 87.1%-27.1pp | 82.6%-22.6pp | 82.5%-22.5pp |
| Annual return | 25.47% | 1029.83%-1004.4pp | 802.97%-777.5pp | 345.43%-320.0pp |
| Employer contribution / active EE | $14,800 | $5,858+152.7% | $5,144+187.7% | $4,764+210.7% |
| Participant deferral / active EE | $8,800 | $5,948+47.9% | $5,198+69.3% | $5,851+50.4% |
| Admin fee / account holder | $2,258 | $17,111-86.8% | $13,955-83.8% | $11,599-80.5% |