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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 | $267,100 | $198,457+34.6% | $170,435+56.7% | $147,586+81.0% |
| Participation rate | 60.0% | 88.0%-28.0pp | 83.6%-23.6pp | 82.8%-22.8pp |
| Annual return | 16.78% | 257.30%-240.5pp | 205.94%-189.2pp | 578.59%-561.8pp |
| Employer contribution / active EE | $1,640 | $6,183-73.5% | $5,432-69.8% | $4,876-66.4% |
| Participant deferral / active EE | $8,824 | $5,629+56.8% | $4,939+78.7% | $5,439+62.3% |
| Admin fee / account holder | $2,041 | $16,852-87.9% | $13,881-85.3% | $10,886-81.3% |