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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 | $390,080 | $165,399+135.8% | $149,745+160.5% | $158,982+145.4% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 12.87% | 348.34%-335.5pp | 276.72%-263.9pp | 302.99%-290.1pp |
| Employer contribution / active EE | $11,655 | $5,105+128.3% | $4,646+150.9% | $4,763+144.7% |
| Participant deferral / active EE | $6,656 | $7,183-7.3% | $6,843-2.7% | $5,983+11.2% |
| Admin fee / account holder | $12,778 | $10,811+18.2% | $9,312+37.2% | $11,252+13.6% |