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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 | $294,816 | $183,988+60.2% | $162,177+81.8% | $152,897+92.8% |
| Participation rate | 55.6% | 88.5%-32.9pp | 87.6%-32.0pp | 82.5%-26.9pp |
| Annual return | 18.68% | 150.79%-132.1pp | 115.60%-96.9pp | 345.43%-326.8pp |
| Employer contribution / active EE | $1,802 | $6,370-71.7% | $5,613-67.9% | $4,764-62.2% |
| Participant deferral / active EE | $6,189 | $8,032-22.9% | $7,297-15.2% | $5,851+5.8% |
| Admin fee / account holder | $616 | $13,123-95.3% | $10,843-94.3% | $11,599-94.7% |