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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 | $159,934+91.5% | $147,005+108.3% | $145,959+109.8% |
| Participation rate | 57.9% | 84.0%-26.1pp | 82.2%-24.3pp | 80.3%-22.4pp |
| Annual return | 17.43% | 98.24%-80.8pp | 418.76%-401.3pp | 561.95%-544.5pp |
| Employer contribution / active EE | $2,305 | $5,287-56.4% | $4,934-53.3% | $4,661-50.5% |
| Participant deferral / active EE | $7,262 | $8,427-13.8% | $8,070-10.0% | $6,689+8.6% |
| Admin fee / account holder | $39,859 | $15,053+164.8% | $13,006+206.5% | $13,398+197.5% |