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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 | $299,177 | $183,539+63.0% | $155,556+92.3% | $145,897+105.1% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 13.31% | 61.31%-48.0pp | 64.84%-51.5pp | 552.29%-539.0pp |
| Employer contribution / active EE | $7,305 | $5,315+37.4% | $4,675+56.2% | $4,663+56.7% |
| Participant deferral / active EE | $17,136 | $6,467+165.0% | $5,631+204.3% | $6,689+156.2% |
| Admin fee / account holder | $13,410 | $19,275-30.4% | $15,885-15.6% | $13,390+0.1% |