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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 | $272,020 | $209,425+29.9% | $178,499+52.4% | $158,966+71.1% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 9.65% | 188.80%-179.1pp | 151.10%-141.5pp | 302.95%-293.3pp |
| Employer contribution / active EE | $3,861 | $5,707-32.4% | $5,011-23.0% | $4,762-18.9% |
| Participant deferral / active EE | $7,763 | $5,955+30.4% | $5,202+49.2% | $5,983+29.8% |
| Admin fee / account holder | $6,652 | $17,078-61.1% | $13,986-52.4% | $11,250-40.9% |