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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 | $306,237 | $160,070+91.3% | $147,117+108.2% | $145,897+109.9% |
| Participation rate | 57.9% | 84.0%-26.1pp | 82.2%-24.3pp | 80.3%-22.4pp |
| Annual return | 17.43% | 98.69%-81.3pp | 420.54%-403.1pp | 552.29%-534.9pp |
| Employer contribution / active EE | $2,305 | $5,285-56.4% | $4,932-53.3% | $4,663-50.6% |
| Participant deferral / active EE | $7,262 | $8,419-13.7% | $8,065-10.0% | $6,689+8.6% |
| Admin fee / account holder | $39,859 | $15,035+165.1% | $12,993+206.8% | $13,390+197.7% |