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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 | $345,553 | $176,105+96.2% | $159,474+116.7% | $167,536+106.3% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 12.15% | 331.91%-319.8pp | 263.68%-251.5pp | 478.82%-466.7pp |
| Employer contribution / active EE | $2,366 | $5,299-55.3% | $4,831-51.0% | $4,839-51.1% |
| Participant deferral / active EE | $6,363 | $7,751-17.9% | $7,353-13.5% | $6,342+0.3% |
| Admin fee / account holder | $51,057 | $12,559+306.5% | $10,802+372.6% | $12,315+314.6% |