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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 | $315,177 | $165,381+90.6% | $149,730+110.5% | $158,966+98.3% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 1699.96% | 348.29%+1351.7pp | 276.70%+1423.3pp | 302.95%+1397.0pp |
| Employer contribution / active EE | $9,740 | $5,104+90.8% | $4,645+109.7% | $4,762+104.5% |
| Participant deferral / active EE | $13,000 | $7,182+81.0% | $6,843+90.0% | $5,983+117.3% |
| Admin fee / account holder | $1,107 | $10,809-89.8% | $9,310-88.1% | $11,250-90.2% |