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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 | $269,451 | $57,330+370.0% | $86,656+210.9% | $75,177+258.4% |
| Participation rate | 59.7% | 63.2%-3.5pp | 71.7%-12.0pp | 67.2%-7.5pp |
| Annual return | 16.11% | 2675.40%-2659.3pp | 593.09%-577.0pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,734 | $2,316-25.1% | $3,025-42.7% | $2,671-35.1% |
| Participant deferral / active EE | $5,553 | $3,320+67.2% | $4,439+25.1% | $4,126+34.6% |
| Admin fee / account holder | $96,297 | $4,115+2240.2% | $5,619+1613.9% | $5,651+1604.0% |