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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 | $282,678 | $171,492+64.8% | $150,734+87.5% | $198,609+42.3% |
| Participation rate | 66.7% | 81.4%-14.7pp | 78.4%-11.8pp | 82.4%-15.7pp |
| Annual return | 13.03% | 804.70%-791.7pp | 600.81%-587.8pp | 202.70%-189.7pp |
| Employer contribution / active EE | $2,522 | $5,470-53.9% | $4,918-48.7% | $5,055-50.1% |
| Participant deferral / active EE | $4,872 | $6,259-22.2% | $5,610-13.1% | $6,977-30.2% |
| Admin fee / account holder | $2,702 | $17,628-84.7% | $14,905-81.9% | $19,030-85.8% |