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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 | $251,981 | $111,814+125.4% | $93,654+169.1% | $145,959+72.6% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 13.00% | 203.30%-190.3pp | 133.34%-120.3pp | 561.95%-548.9pp |
| Employer contribution / active EE | $11,102 | $3,092+259.1% | $2,421+358.6% | $4,661+138.2% |
| Participant deferral / active EE | $24,500 | $4,914+398.5% | $4,413+455.2% | $6,689+266.3% |
| Admin fee / account holder | $1,171 | $10,246-88.6% | $8,282-85.9% | $13,398-91.3% |