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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 | $298,174 | $176,120+69.3% | $159,487+87.0% | $167,553+78.0% |
| Participation rate | 68.4% | 85.0%-16.5pp | 82.8%-14.4pp | 82.1%-13.7pp |
| Annual return | 14.62% | 331.95%-317.3pp | 263.71%-249.1pp | 478.89%-464.3pp |
| Employer contribution / active EE | $5,360 | $5,299+1.1% | $4,831+10.9% | $4,840+10.8% |
| Participant deferral / active EE | $14,146 | $7,752+82.5% | $7,354+92.4% | $6,343+123.0% |
| Admin fee / account holder | $5,797 | $12,561-53.8% | $10,804-46.3% | $12,316-52.9% |