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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 | $645,895 | $175,231+268.6% | $149,696+331.5% | $139,466+363.1% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 17.43% | 166.77%-149.3pp | 134.46%-117.0pp | 373.66%-356.2pp |
| Employer contribution / active EE | $28,900 | $5,478+427.6% | $4,821+499.5% | $4,754+507.9% |
| Participant deferral / active EE | $13,470 | $6,521+106.6% | $5,682+137.1% | $6,712+100.7% |
| Admin fee / account holder | $75,027 | $16,155+364.4% | $13,212+467.9% | $11,409+557.6% |