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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 | $160,028+80.5% | $147,080+96.4% | $145,884+98.0% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 10.04% | 98.60%-88.6pp | 420.17%-410.1pp | 551.85%-541.8pp |
| Employer contribution / active EE | $2,866 | $5,286-45.8% | $4,933-41.9% | $4,662-38.5% |
| Participant deferral / active EE | $6,854 | $8,422-18.6% | $8,066-15.0% | $6,690+2.5% |
| Admin fee / account holder | $2,410 | $15,030-84.0% | $12,989-81.4% | $13,392-82.0% |