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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 | $276,086 | $144,130+91.6% | $117,861+134.2% | $147,586+87.1% |
| Participation rate | 62.5% | 83.4%-20.9pp | 79.7%-17.2pp | 82.8%-20.3pp |
| Annual return | 14.27% | 531.20%-516.9pp | 335.11%-320.8pp | 578.59%-564.3pp |
| Employer contribution / active EE | $11,602 | $4,897+136.9% | $3,786+206.4% | $4,876+137.9% |
| Participant deferral / active EE | $10,870 | $5,316+104.5% | $4,482+142.5% | $5,439+99.9% |
| Admin fee / account holder | $1,311 | $10,887-88.0% | $8,021-83.7% | $10,886-88.0% |