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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 | $325,315 | $175,231+85.6% | $149,696+117.3% | $139,466+133.3% |
| Participation rate | 58.3% | 83.4%-25.1pp | 78.8%-20.4pp | 80.3%-22.0pp |
| Annual return | 20.30% | 166.77%-146.5pp | 134.46%-114.2pp | 373.66%-353.4pp |
| Employer contribution / active EE | $5,063 | $5,478-7.6% | $4,821+5.0% | $4,754+6.5% |
| Participant deferral / active EE | $3,583 | $6,521-45.1% | $5,682-36.9% | $6,712-46.6% |
| Admin fee / account holder | $10,561 | $16,155-34.6% | $13,212-20.1% | $11,409-7.4% |