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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 | $299,195 | $202,440+47.8% | $169,390+76.6% | $139,466+114.5% |
| Participation rate | 66.7% | 81.1%-14.4pp | 77.2%-10.5pp | 80.3%-13.7pp |
| Annual return | 13.70% | 532.36%-518.7pp | 406.07%-392.4pp | 373.66%-360.0pp |
| Employer contribution / active EE | $2,811 | $4,693-40.1% | $4,013-29.9% | $4,754-40.9% |
| Participant deferral / active EE | $15,000 | $6,940+116.1% | $6,222+141.1% | $6,712+123.5% |
| Admin fee / account holder | $2,135 | $10,722-80.1% | $9,015-76.3% | $11,409-81.3% |