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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 | $339,426 | $185,225+83.3% | $142,898+137.5% | $167,536+102.6% |
| Participation rate | 66.7% | 78.5%-11.8pp | 72.0%-5.3pp | 82.1%-15.4pp |
| Annual return | 10.62% | 8558.12%-8547.5pp | 5639.64%-5629.0pp | 478.82%-468.2pp |
| Employer contribution / active EE | $6,829 | $5,607+21.8% | $4,146+64.7% | $4,839+41.1% |
| Participant deferral / active EE | $13,000 | $4,496+189.2% | $3,838+238.7% | $6,342+105.0% |
| Admin fee / account holder | $1,263 | $8,032-84.3% | $6,560-80.8% | $12,315-89.7% |