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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 | $315,735 | $209,874+50.4% | $189,537+66.6% | $167,536+88.5% |
| Participation rate | 47.1% | 88.7%-41.6pp | 87.8%-40.7pp | 82.1%-35.1pp |
| Annual return | 9.77% | 748.61%-738.8pp | 555.34%-545.6pp | 478.82%-469.0pp |
| Employer contribution / active EE | $1,637 | $6,913-76.3% | $6,161-73.4% | $4,839-66.2% |
| Participant deferral / active EE | $4,045 | $8,934-54.7% | $8,220-50.8% | $6,342-36.2% |
| Admin fee / account holder | $711 | $14,299-95.0% | $12,048-94.1% | $12,315-94.2% |