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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 | $347,815 | $165,399+110.3% | $149,745+132.3% | $158,982+118.8% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 21.35% | 348.34%-327.0pp | 276.72%-255.4pp | 302.99%-281.6pp |
| Employer contribution / active EE | $10,493 | $5,105+105.6% | $4,646+125.9% | $4,763+120.3% |
| Participant deferral / active EE | $6,804 | $7,183-5.3% | $6,843-0.6% | $5,983+13.7% |
| Admin fee / account holder | $12,323 | $10,811+14.0% | $9,312+32.3% | $11,252+9.5% |