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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 | $365,100 | $169,356+115.6% | $129,406+182.1% | $145,897+150.2% |
| Participation rate | 40.0% | 76.5%-36.5pp | 69.6%-29.6pp | 80.3%-40.3pp |
| Annual return | 11.29% | 14418.62%-14407.3pp | 9468.18%-9456.9pp | 552.29%-541.0pp |
| Employer contribution / active EE | $1,091 | $5,542-80.3% | $4,155-73.7% | $4,663-76.6% |
| Participant deferral / active EE | $12,200 | $4,987+144.7% | $4,167+192.8% | $6,689+82.4% |
| Admin fee / account holder | $3,908 | $9,915-60.6% | $7,689-49.2% | $13,390-70.8% |