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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 | $275,012 | $160,028+71.9% | $147,080+87.0% | $145,884+88.5% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 14.41% | 98.60%-84.2pp | 420.17%-405.8pp | 551.85%-537.4pp |
| Employer contribution / active EE | $4,171 | $5,286-21.1% | $4,933-15.4% | $4,662-10.5% |
| Participant deferral / active EE | $10,424 | $8,422+23.8% | $8,066+29.2% | $6,690+55.8% |
| Admin fee / account holder | $35,420 | $15,030+135.7% | $12,989+172.7% | $13,392+164.5% |