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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 | $353,385 | $217,432+62.5% | $185,849+90.1% | $167,536+110.9% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 12.07% | 148.42%-136.4pp | 122.10%-110.0pp | 478.82%-466.7pp |
| Employer contribution / active EE | $13,171 | $5,875+124.2% | $5,169+154.8% | $4,839+172.2% |
| Participant deferral / active EE | $12,322 | $6,357+93.8% | $5,569+121.3% | $6,342+94.3% |
| Admin fee / account holder | $5,814 | $19,818-70.7% | $16,244-64.2% | $12,315-52.8% |