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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 | $183,539+226.0% | $155,556+284.7% | $145,897+310.1% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 44.75% | 61.31%-16.6pp | 64.84%-20.1pp | 552.29%-507.5pp |
| Employer contribution / active EE | $11,515 | $5,315+116.6% | $4,675+146.3% | $4,663+147.0% |
| Participant deferral / active EE | $13,605 | $6,467+110.4% | $5,631+141.6% | $6,689+103.4% |
| Admin fee / account holder | $2,745 | $19,275-85.8% | $15,885-82.7% | $13,390-79.5% |