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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 | $268,208 | $108,942+146.2% | $100,415+167.1% | $145,897+83.8% |
| Participation rate | 65.2% | 83.0%-17.8pp | 81.5%-16.3pp | 80.3%-15.1pp |
| Annual return | 32.38% | 58.27%-25.9pp | 49.47%-17.1pp | 552.29%-519.9pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $14,025 | $8,461+65.8% | $8,091+73.3% | $6,689+109.7% |
| Admin fee / account holder | $9,013 | $9,702-7.1% | $7,906+14.0% | $13,390-32.7% |