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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 | $346,182 | $171,867+101.4% | $149,721+131.2% | $147,586+134.6% |
| Participation rate | 66.7% | 88.2%-21.5pp | 87.1%-20.4pp | 82.8%-16.2pp |
| Annual return | 17.81% | 2113.36%-2095.6pp | 1501.67%-1483.9pp | 578.59%-560.8pp |
| Employer contribution / active EE | $2,705 | $6,275-56.9% | $5,444-50.3% | $4,876-44.5% |
| Participant deferral / active EE | $6,038 | $7,270-17.0% | $6,568-8.1% | $5,439+11.0% |
| Admin fee / account holder | $16,141 | $13,799+17.0% | $11,282+43.1% | $10,886+48.3% |