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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 | $361,744 | $175,259+106.4% | $149,723+141.6% | $139,487+159.3% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 42.43% | 166.82%-124.4pp | 134.50%-92.1pp | 373.84%-331.4pp |
| Employer contribution / active EE | $1,448 | $5,478-73.6% | $4,821-70.0% | $4,755-69.5% |
| Participant deferral / active EE | $12,730 | $6,522+95.2% | $5,682+124.0% | $6,713+89.6% |
| Admin fee / account holder | $2,540 | $16,158-84.3% | $13,215-80.8% | $11,407-77.7% |