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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 | $310,466 | $76,634+305.1% | $56,054+453.9% | $145,978+112.7% |
| Participation rate | 28.6% | 63.2%-34.7pp | 52.5%-23.9pp | 80.3%-51.7pp |
| Annual return | 5.74% | 3004.33%-2998.6pp | 1705.95%-1700.2pp | 550.52%-544.8pp |
| Employer contribution / active EE | $1,641 | $1,380+18.9% | $1,039+58.0% | $4,662-64.8% |
| Participant deferral / active EE | $8,000 | $2,622+205.1% | $1,952+309.8% | $6,690+19.6% |
| Admin fee / account holder | $3,569 | $3,321+7.4% | $2,822+26.4% | $13,400-73.4% |