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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 | $288,839 | $160,070+80.4% | $147,117+96.3% | $145,897+98.0% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 10.04% | 98.69%-88.6pp | 420.54%-410.5pp | 552.29%-542.2pp |
| Employer contribution / active EE | $2,866 | $5,285-45.8% | $4,932-41.9% | $4,663-38.5% |
| Participant deferral / active EE | $6,854 | $8,419-18.6% | $8,065-15.0% | $6,689+2.5% |
| Admin fee / account holder | $2,410 | $15,035-84.0% | $12,993-81.5% | $13,390-82.0% |