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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 | $160,028+152.3% | $147,080+174.6% | $145,884+176.8% |
| Participation rate | 64.7% | 84.0%-19.3pp | 82.2%-17.5pp | 80.3%-15.6pp |
| Annual return | 16.56% | 98.60%-82.0pp | 420.17%-403.6pp | 551.85%-535.3pp |
| Employer contribution / active EE | $8,972 | $5,286+69.7% | $4,933+81.9% | $4,662+92.4% |
| Participant deferral / active EE | $8,159 | $8,422-3.1% | $8,066+1.1% | $6,690+22.0% |
| Admin fee / account holder | $9,208 | $15,030-38.7% | $12,989-29.1% | $13,392-31.2% |