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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 | $306,678 | $162,785+88.4% | $133,959+128.9% | $158,950+92.9% |
| Participation rate | 66.7% | 83.2%-16.6pp | 79.8%-13.2pp | 82.0%-15.3pp |
| Annual return | 15.15% | 41.94%-26.8pp | 45.09%-29.9pp | 302.91%-287.8pp |
| Employer contribution / active EE | $19,570 | $4,975+293.3% | $3,919+399.4% | $4,762+311.0% |
| Participant deferral / active EE | $3,000 | $5,910-49.2% | $5,047-40.6% | $5,983-49.9% |
| Admin fee / account holder | $18,488 | $11,738+57.5% | $8,928+107.1% | $11,248+64.4% |