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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 | $148,582+156.3% | $135,942+180.1% | $139,456+173.0% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.2pp | 80.3%-13.7pp |
| Annual return | 18.94% | 79.26%-60.3pp | 68.28%-49.3pp | 373.45%-354.5pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,858-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $4,463 | $8,101-44.9% | $7,759-42.5% | $6,711-33.5% |
| Admin fee / account holder | $16,791 | $12,402+35.4% | $10,764+56.0% | $11,407+47.2% |