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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 | $376,425 | $138,075+172.6% | $123,552+204.7% | $135,379+178.1% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | 7.06% | 153.70%-146.6pp | 119.20%-112.1pp | 519.79%-512.7pp |
| Employer contribution / active EE | $10,891 | $5,152+111.4% | $4,628+135.3% | $4,779+127.9% |
| Participant deferral / active EE | $12,779 | $6,800+87.9% | $6,426+98.9% | $5,609+127.8% |
| Admin fee / account holder | $17,905 | $10,917+64.0% | $9,285+92.8% | $10,828+65.4% |