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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 | $271,433 | $134,817+101.3% | $123,973+118.9% | $155,188+74.9% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.7%-43.3pp | 80.8%-47.5pp |
| Annual return | 18.67% | 515.49%-496.8pp | 388.13%-369.5pp | 148.84%-130.2pp |
| Employer contribution / active EE | $1,180 | $4,425-73.3% | $4,126-71.4% | $4,248-72.2% |
| Participant deferral / active EE | $3,592 | $5,706-37.1% | $5,247-31.5% | $6,531-45.0% |
| Admin fee / account holder | $20,355 | $13,245+53.7% | $11,799+72.5% | $14,480+40.6% |