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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 | $263,622 | $102,696+156.7% | $86,235+205.7% | $139,487+89.0% |
| Participation rate | 60.0% | 74.5%-14.5pp | 69.0%-9.0pp | 80.3%-20.3pp |
| Annual return | 23.91% | 1925.91%-1902.0pp | 1170.03%-1146.1pp | 373.84%-349.9pp |
| Employer contribution / active EE | $3,318 | $3,034+9.4% | $2,381+39.3% | $4,755-30.2% |
| Participant deferral / active EE | $2,296 | $4,679-50.9% | $3,987-42.4% | $6,713-65.8% |
| Admin fee / account holder | $8,394 | $8,667-3.1% | $6,856+22.4% | $11,407-26.4% |