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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 | $251,723 | $111,830+125.1% | $93,696+168.7% | $145,884+72.6% |
| Participation rate | 44.4% | 74.2%-29.8pp | 68.7%-24.3pp | 80.3%-35.9pp |
| Annual return | 12.22% | 204.08%-191.9pp | 133.74%-121.5pp | 551.85%-539.6pp |
| Employer contribution / active EE | $2,289 | $3,093-26.0% | $2,422-5.5% | $4,662-50.9% |
| Participant deferral / active EE | $9,288 | $4,920+88.8% | $4,417+110.3% | $6,690+38.8% |
| Admin fee / account holder | $2,660 | $10,249-74.0% | $8,287-67.9% | $13,392-80.1% |