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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 | $313,942 | $115,810+171.1% | $101,271+210.0% | $158,966+97.5% |
| Participation rate | 66.7% | 79.4%-12.7pp | 75.8%-9.1pp | 82.0%-15.3pp |
| Annual return | 12.42% | 56.15%-43.7pp | 46.48%-34.1pp | 302.95%-290.5pp |
| Employer contribution / active EE | $2,444 | $4,175-41.5% | $3,660-33.2% | $4,762-48.7% |
| Participant deferral / active EE | $3,670 | $4,958-26.0% | $4,371-16.0% | $5,983-38.7% |
| Admin fee / account holder | $662 | $7,248-90.9% | $5,948-88.9% | $11,250-94.1% |