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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 | $338,198 | $210,698+60.5% | $178,014+90.0% | $145,959+131.7% |
| Participation rate | 66.7% | 80.8%-14.1pp | 77.1%-10.4pp | 80.3%-13.6pp |
| Annual return | 10.06% | 386.27%-376.2pp | 294.80%-284.7pp | 561.95%-551.9pp |
| Employer contribution / active EE | $3,264 | $4,567-28.5% | $3,950-17.4% | $4,661-30.0% |
| Participant deferral / active EE | $6,400 | $6,958-8.0% | $6,276+2.0% | $6,689-4.3% |
| Admin fee / account holder | $132,110 | $12,016+999.5% | $10,362+1175.0% | $13,398+886.1% |