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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 | $403,828 | $159,934+152.5% | $147,005+174.7% | $145,959+176.7% |
| Participation rate | 64.7% | 84.0%-19.3pp | 82.2%-17.5pp | 80.3%-15.6pp |
| Annual return | 16.56% | 98.24%-81.7pp | 418.76%-402.2pp | 561.95%-545.4pp |
| Employer contribution / active EE | $8,972 | $5,287+69.7% | $4,934+81.8% | $4,661+92.5% |
| Participant deferral / active EE | $8,159 | $8,427-3.2% | $8,070+1.1% | $6,689+22.0% |
| Admin fee / account holder | $9,208 | $15,053-38.8% | $13,006-29.2% | $13,398-31.3% |