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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 | $337,334 | $210,698+60.1% | $178,014+89.5% | $145,959+131.1% |
| Participation rate | 25.0% | 80.8%-55.8pp | 77.1%-52.1pp | 80.3%-55.3pp |
| Annual return | 7.71% | 386.27%-378.6pp | 294.80%-287.1pp | 561.95%-554.2pp |
| Employer contribution / active EE | $850 | $4,567-81.4% | $3,950-78.5% | $4,661-81.8% |
| Participant deferral / active EE | $6,688 | $6,958-3.9% | $6,276+6.6% | $6,6890% |
| Admin fee / account holder | $2,692 | $12,016-77.6% | $10,362-74.0% | $13,398-79.9% |