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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 | $349,975 | $183,539+90.7% | $155,556+125.0% | $145,897+139.9% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 9.85% | 61.31%-51.5pp | 64.84%-55.0pp | 552.29%-542.4pp |
| Employer contribution / active EE | $1,760 | $5,315-66.9% | $4,675-62.4% | $4,663-62.2% |
| Participant deferral / active EE | $7,625 | $6,467+17.9% | $5,631+35.4% | $6,689+14.0% |
| Admin fee / account holder | $3,125 | $19,275-83.8% | $15,885-80.3% | $13,390-76.7% |