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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 | $76,608+305.3% | $56,077+453.6% | $145,877+112.8% |
| Participation rate | 28.6% | 63.2%-34.7pp | 52.5%-23.9pp | 80.3%-51.7pp |
| Annual return | 5.74% | 3009.59%-3003.8pp | 1709.28%-1703.5pp | 551.28%-545.5pp |
| Employer contribution / active EE | $1,641 | $1,382+18.8% | $1,040+57.7% | $4,663-64.8% |
| Participant deferral / active EE | $8,000 | $2,624+204.9% | $1,954+309.4% | $6,691+19.6% |
| Admin fee / account holder | $3,569 | $3,325+7.3% | $2,825+26.3% | $13,402-73.4% |