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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 | $282,695 | $132,634+113.1% | $115,768+144.2% | $137,256+106.0% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.4%-7.7pp | 80.0%-13.3pp |
| Annual return | 15.69% | 160.70%-145.0pp | 100.46%-84.8pp | 220.34%-204.6pp |
| Employer contribution / active EE | $4,831 | $3,360+43.8% | $2,940+64.3% | $4,156+16.2% |
| Participant deferral / active EE | $9,403 | $5,619+67.4% | $4,917+91.2% | $6,407+46.8% |
| Admin fee / account holder | $6,939 | $15,028-53.8% | $12,439-44.2% | $12,270-43.4% |