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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 | $287,227 | $175,231+63.9% | $149,696+91.9% | $139,466+105.9% |
| Participation rate | 57.1% | 83.4%-26.2pp | 78.8%-21.6pp | 80.3%-23.2pp |
| Annual return | 15.84% | 166.77%-150.9pp | 134.46%-118.6pp | 373.66%-357.8pp |
| Employer contribution / active EE | $2,233 | $5,478-59.2% | $4,821-53.7% | $4,754-53.0% |
| Participant deferral / active EE | $6,427 | $6,521-1.4% | $5,682+13.1% | $6,712-4.2% |
| Admin fee / account holder | $14,649 | $16,155-9.3% | $13,212+10.9% | $11,409+28.4% |