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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 | $255,107 | $95,406+167.4% | $185,849+37.3% | $85,847+197.2% |
| Participation rate | 56.0% | 68.8%-12.8pp | 81.7%-25.7pp | 69.3%-13.3pp |
| Annual return | 54.10% | 23.59%+30.5pp | 122.10%-68.0pp | 318.61%-264.5pp |
| Employer contribution / active EE | $11,141 | $3,314+236.2% | $5,169+115.6% | $2,565+334.3% |
| Participant deferral / active EE | $7,720 | $3,424+125.5% | $5,569+38.6% | $3,952+95.3% |
| Admin fee / account holder | $3,621 | $7,214-49.8% | $16,244-77.7% | $6,261-42.2% |