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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 | $320,400 | $183,539+74.6% | $155,556+106.0% | $145,897+119.6% |
| Participation rate | 55.6% | 82.7%-27.2pp | 78.2%-22.7pp | 80.3%-24.8pp |
| Annual return | 14.38% | 61.31%-46.9pp | 64.84%-50.5pp | 552.29%-537.9pp |
| Employer contribution / active EE | $2,353 | $5,315-55.7% | $4,675-49.7% | $4,663-49.5% |
| Participant deferral / active EE | $7,299 | $6,467+12.9% | $5,631+29.6% | $6,689+9.1% |
| Admin fee / account holder | $28,994 | $19,275+50.4% | $15,885+82.5% | $13,390+116.5% |