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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.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $360,115 | $91,198+294.9% | $178,503+101.7% | $79,856+351.0% |
| Participation rate | 63.9% | 69.2%-5.4pp | 81.9%-18.1pp | 69.6%-5.8pp |
| Annual return | 26.83% | 24.20%+2.6pp | 151.12%-124.3pp | 31.71%-4.9pp |
| Employer contribution / active EE | $7,522 | $3,257+131.0% | $5,011+50.1% | $2,471+204.4% |
| Participant deferral / active EE | $8,082 | $3,237+149.7% | $5,202+55.4% | $3,741+116.1% |
| Admin fee / account holder | $544 | $6,748-91.9% | $13,987-96.1% | $5,306-89.7% |