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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 | $342,281 | $55,470+517.1% | $155,556+120.0% | $74,478+359.6% |
| Participation rate | 60.5% | 61.9%-1.4pp | 78.2%-17.7pp | 67.2%-6.7pp |
| Annual return | 17.79% | 269.80%-252.0pp | 64.84%-47.0pp | 1370.56%-1352.8pp |
| Employer contribution / active EE | $3,246 | $2,267+43.2% | $4,675-30.6% | $2,626+23.6% |
| Participant deferral / active EE | $6,492 | $2,838+128.7% | $5,631+15.3% | $4,350+49.2% |
| Admin fee / account holder | $7,695 | $1,744+341.2% | $15,885-51.6% | $1,946+295.5% |