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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 | $296,307 | $183,539+61.4% | $155,556+90.5% | $145,897+103.1% |
| Participation rate | 52.4% | 82.7%-30.3pp | 78.2%-25.8pp | 80.3%-27.9pp |
| Annual return | 14.91% | 61.31%-46.4pp | 64.84%-49.9pp | 552.29%-537.4pp |
| Employer contribution / active EE | $1,578 | $5,315-70.3% | $4,675-66.3% | $4,663-66.2% |
| Participant deferral / active EE | $5,130 | $6,467-20.7% | $5,631-8.9% | $6,689-23.3% |
| Admin fee / account holder | $6,231 | $19,275-67.7% | $15,885-60.8% | $13,390-53.5% |