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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 | $302,617 | $160,040+89.1% | $147,096+105.7% | $145,877+107.4% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 15.63% | 98.49%-82.9pp | 419.75%-404.1pp | 551.28%-535.6pp |
| Employer contribution / active EE | $11,011 | $5,289+108.2% | $4,936+123.1% | $4,663+136.1% |
| Participant deferral / active EE | $8,520 | $8,429+1.1% | $8,071+5.6% | $6,691+27.3% |
| Admin fee / account holder | $1,251 | $15,050-91.7% | $13,005-90.4% | $13,402-90.7% |