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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 | $293,064 | $150,447+94.8% | $136,298+115.0% | $147,586+98.6% |
| Participation rate | 66.7% | 84.4%-17.8pp | 81.9%-15.3pp | 82.8%-16.2pp |
| Annual return | 13.97% | 1049.15%-1035.2pp | 5156.27%-5142.3pp | 578.59%-564.6pp |
| Employer contribution / active EE | $12,131 | $5,256+130.8% | $4,696+158.3% | $4,876+148.8% |
| Participant deferral / active EE | $5,636 | $6,631-15.0% | $6,247-9.8% | $5,439+3.6% |
| Admin fee / account holder | $4,134 | $10,906-62.1% | $9,244-55.3% | $10,886-62.0% |