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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 | $345,428 | $175,231+97.1% | $149,696+130.8% | $139,466+147.7% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 17.79% | 166.77%-149.0pp | 134.46%-116.7pp | 373.66%-355.9pp |
| Employer contribution / active EE | $5,116 | $5,478-6.6% | $4,821+6.1% | $4,754+7.6% |
| Participant deferral / active EE | $7,816 | $6,521+19.8% | $5,682+37.6% | $6,712+16.4% |
| Admin fee / account holder | $3,903 | $16,155-75.8% | $13,212-70.5% | $11,409-65.8% |