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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 | $287,597 | $197,637+45.5% | $177,848+61.7% | $158,982+80.9% |
| Participation rate | 66.7% | 88.5%-21.9pp | 87.7%-21.1pp | 82.0%-15.3pp |
| Annual return | 33.62% | 58.77%-25.2pp | 48.33%-14.7pp | 302.99%-269.4pp |
| Employer contribution / active EE | $1,662 | $6,698-75.2% | $5,919-71.9% | $4,763-65.1% |
| Participant deferral / active EE | $16,178 | $8,405+92.5% | $7,714+109.7% | $5,983+170.4% |
| Admin fee / account holder | $1,082 | $15,406-93.0% | $12,431-91.3% | $11,252-90.4% |