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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 | $429,674 | $209,422+105.2% | $178,503+140.7% | $158,982+170.3% |
| Participation rate | 66.7% | 86.4%-19.7pp | 81.9%-15.3pp | 82.0%-15.3pp |
| Annual return | 17.09% | 188.81%-171.7pp | 151.12%-134.0pp | 302.99%-285.9pp |
| Employer contribution / active EE | $15,873 | $5,707+178.1% | $5,011+216.8% | $4,763+233.3% |
| Participant deferral / active EE | $11,753 | $5,955+97.4% | $5,202+125.9% | $5,983+96.4% |
| Admin fee / account holder | $584 | $17,079-96.6% | $13,987-95.8% | $11,252-94.8% |