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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 | $422,044 | $176,105+139.7% | $159,474+164.6% | $167,536+151.9% |
| Participation rate | 42.9% | 85.0%-42.1pp | 82.8%-40.0pp | 82.1%-39.3pp |
| Annual return | 18.41% | 331.91%-313.5pp | 263.68%-245.3pp | 478.82%-460.4pp |
| Employer contribution / active EE | $1,320 | $5,299-75.1% | $4,831-72.7% | $4,839-72.7% |
| Participant deferral / active EE | $4,723 | $7,751-39.1% | $7,353-35.8% | $6,342-25.5% |
| Admin fee / account holder | $2,995 | $12,559-76.2% | $10,802-72.3% | $12,315-75.7% |