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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 | $380,761 | $148,623+156.2% | $135,974+180.0% | $139,466+173.0% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.3pp | 80.3%-13.7pp |
| Annual return | 18.94% | 79.30%-60.4pp | 68.30%-49.4pp | 373.66%-354.7pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $4,463 | $8,103-44.9% | $7,760-42.5% | $6,712-33.5% |
| Admin fee / account holder | $16,791 | $12,406+35.3% | $10,767+56.0% | $11,409+47.2% |