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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 | $111,785+125.4% | $93,669+169.0% | $145,877+72.7% |
| Participation rate | 60.0% | 74.2%-14.2pp | 68.7%-8.7pp | 80.3%-20.3pp |
| Annual return | 13.00% | 203.79%-190.8pp | 133.59%-120.6pp | 551.28%-538.3pp |
| Employer contribution / active EE | $11,102 | $3,096+258.6% | $2,424+358.1% | $4,663+138.1% |
| Participant deferral / active EE | $24,500 | $4,919+398.1% | $4,416+454.8% | $6,691+266.2% |
| Admin fee / account holder | $1,171 | $10,256-88.6% | $8,291-85.9% | $13,402-91.3% |