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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 | $250,901 | $106,008+136.7% | $92,240+172.0% | $147,586+70.0% |
| Participation rate | 61.5% | 80.4%-18.9pp | 76.5%-14.9pp | 82.8%-21.3pp |
| Annual return | 16.12% | 50.05%-33.9pp | 176.29%-160.2pp | 578.59%-562.5pp |
| Employer contribution / active EE | $10,656 | $4,333+145.9% | $3,680+189.6% | $4,876+118.5% |
| Participant deferral / active EE | $5,797 | $4,478+29.4% | $3,897+48.7% | $5,439+6.6% |
| Admin fee / account holder | $304 | $6,333-95.2% | $5,194-94.2% | $10,886-97.2% |