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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 | $362,364 | $134,817+168.8% | $123,973+192.3% | $155,188+133.5% |
| Participation rate | 66.7% | 79.4%-12.7pp | 76.7%-10.0pp | 80.8%-14.1pp |
| Annual return | 19.21% | 515.49%-496.3pp | 388.13%-368.9pp | 148.84%-129.6pp |
| Employer contribution / active EE | $12,756 | $4,425+188.3% | $4,126+209.2% | $4,248+200.3% |
| Participant deferral / active EE | $12,093 | $5,706+111.9% | $5,247+130.5% | $6,531+85.2% |
| Admin fee / account holder | $516 | $13,245-96.1% | $11,799-95.6% | $14,480-96.4% |