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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 | $452,002 | $217,432+107.9% | $185,851+143.2% | $167,553+169.8% |
| Participation rate | 41.7% | 86.1%-44.4pp | 81.7%-40.0pp | 82.1%-40.4pp |
| Annual return | 10.31% | 148.43%-138.1pp | 122.11%-111.8pp | 478.89%-468.6pp |
| Employer contribution / active EE | $4,103 | $5,874-30.2% | $5,168-20.6% | $4,840-15.2% |
| Participant deferral / active EE | $2,363 | $6,357-62.8% | $5,569-57.6% | $6,343-62.7% |
| Admin fee / account holder | $10,709 | $19,820-46.0% | $16,245-34.1% | $12,316-13.0% |