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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 | $369,210 | $123,854+198.1% | $69,623+430.3% | $145,884+153.1% |
| Participation rate | 66.7% | 69.2%-2.6pp | 66.4%+0.2pp | 80.3%-13.6pp |
| Annual return | 19.58% | 192.35%-172.8pp | 101.23%-81.6pp | 551.85%-532.3pp |
| Employer contribution / active EE | $3,512 | $2,673+31.4% | $1,709+105.5% | $4,662-24.7% |
| Participant deferral / active EE | $6,644 | $4,242+56.6% | $2,890+129.9% | $6,690-0.7% |
| Admin fee / account holder | $1,488 | $7,822-81.0% | $4,696-68.3% | $13,392-88.9% |