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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 | $382,099 | $217,427+75.7% | $185,837+105.6% | $167,518+128.1% |
| Participation rate | 57.1% | 86.0%-28.9pp | 81.7%-24.6pp | 82.1%-25.0pp |
| Annual return | 20.23% | 148.39%-128.2pp | 122.08%-101.9pp | 478.71%-458.5pp |
| Employer contribution / active EE | $4,449 | $5,874-24.3% | $5,168-13.9% | $4,838-8.1% |
| Participant deferral / active EE | $7,817 | $6,357+23.0% | $5,568+40.4% | $6,342+23.3% |
| Admin fee / account holder | $9,461 | $19,816-52.3% | $16,241-41.7% | $12,312-23.2% |