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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 | $450,445 | $176,688+154.9% | $130,660+244.7% | $152,897+194.6% |
| Participation rate | 66.7% | 79.0%-12.3pp | 71.7%-5.1pp | 82.5%-15.8pp |
| Annual return | 21.83% | 2693.08%-2671.3pp | 1709.29%-1687.5pp | 345.43%-323.6pp |
| Employer contribution / active EE | $4,117 | $5,743-28.3% | $4,092+0.6% | $4,764-13.6% |
| Participant deferral / active EE | $11,820 | $4,362+171.0% | $3,603+228.1% | $5,851+102.0% |
| Admin fee / account holder | $1,145 | $7,131-83.9% | $5,463-79.0% | $11,599-90.1% |