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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 | $260,232 | $100,139+159.9% | $85,187+205.5% | $145,884+78.4% |
| Participation rate | 60.0% | 74.1%-14.1pp | 67.5%-7.5pp | 80.3%-20.3pp |
| Annual return | 20.23% | 84.15%-63.9pp | 66.67%-46.4pp | 551.85%-531.6pp |
| Employer contribution / active EE | $14,725 | $3,238+354.8% | $2,732+438.9% | $4,662+215.8% |
| Participant deferral / active EE | $34,138 | $5,296+544.7% | $4,525+654.5% | $6,690+410.3% |
| Admin fee / account holder | $1,491 | $7,262-79.5% | $6,162-75.8% | $13,392-88.9% |