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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 | $361,657 | $202,463+78.6% | $169,397+113.5% | $139,487+159.3% |
| Participation rate | 66.7% | 81.1%-14.4pp | 77.2%-10.5pp | 80.3%-13.7pp |
| Annual return | 16.34% | 532.64%-516.3pp | 406.23%-389.9pp | 373.84%-357.5pp |
| Employer contribution / active EE | $0 | $4,694-100.0% | $4,013-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $2,973 | $6,941-57.2% | $6,223-52.2% | $6,713-55.7% |
| Admin fee / account holder | $8,692 | $10,726-19.0% | $9,017-3.6% | $11,407-23.8% |