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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 | $287,854 | $208,088+38.3% | $186,193+54.6% | $154,746+86.0% |
| Participation rate | 57.9% | 80.0%-22.1pp | 77.1%-19.2pp | 80.7%-22.8pp |
| Annual return | 13.92% | 89.97%-76.1pp | 78.03%-64.1pp | 172.34%-158.4pp |
| Employer contribution / active EE | $9,494 | $4,340+118.8% | $3,918+142.3% | $4,379+116.8% |
| Participant deferral / active EE | $14,450 | $7,078+104.2% | $6,513+121.9% | $6,730+114.7% |
| Admin fee / account holder | $52,241 | $11,698+346.6% | $11,058+372.4% | $14,365+263.7% |