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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 | $331,053 | $209,422+58.1% | $178,503+85.5% | $158,982+108.2% |
| Participation rate | 66.7% | 86.4%-19.7pp | 81.9%-15.3pp | 82.0%-15.3pp |
| Annual return | 11.47% | 188.81%-177.3pp | 151.12%-139.6pp | 302.99%-291.5pp |
| Employer contribution / active EE | $13,244 | $5,707+132.1% | $5,011+164.3% | $4,763+178.1% |
| Participant deferral / active EE | $8,268 | $5,955+38.8% | $5,202+58.9% | $5,983+38.2% |
| Admin fee / account holder | $87,894 | $17,079+414.6% | $13,987+528.4% | $11,252+681.2% |