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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 | $348,167 | $159,934+117.7% | $147,005+136.8% | $145,959+138.5% |
| Participation rate | 68.8% | 84.0%-15.2pp | 82.2%-13.4pp | 80.3%-11.5pp |
| Annual return | 10.36% | 98.24%-87.9pp | 418.76%-408.4pp | 561.95%-551.6pp |
| Employer contribution / active EE | $7,969 | $5,287+50.7% | $4,934+61.5% | $4,661+71.0% |
| Participant deferral / active EE | $6,434 | $8,427-23.7% | $8,070-20.3% | $6,689-3.8% |
| Admin fee / account holder | $2,545 | $15,053-83.1% | $13,006-80.4% | $13,398-81.0% |