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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 | $598,353 | $183,592+225.9% | $155,567+284.6% | $145,959+309.9% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 44.75% | 61.24%-16.5pp | 64.74%-20.0pp | 561.95%-517.2pp |
| Employer contribution / active EE | $11,515 | $5,315+116.7% | $4,674+146.4% | $4,661+147.1% |
| Participant deferral / active EE | $13,605 | $6,464+110.5% | $5,628+141.7% | $6,689+103.4% |
| Admin fee / account holder | $2,745 | $19,318-85.8% | $15,916-82.8% | $13,398-79.5% |