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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 | $129,737+117.9% | $119,126+137.3% | $154,746+82.7% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 13.03% | 379.08%-366.0pp | 282.11%-269.1pp | 172.34%-159.3pp |
| Employer contribution / active EE | $2,522 | $4,375-42.4% | $4,034-37.5% | $4,379-42.4% |
| Participant deferral / active EE | $4,872 | $5,842-16.6% | $5,318-8.4% | $6,730-27.6% |
| Admin fee / account holder | $2,702 | $11,961-77.4% | $10,693-74.7% | $14,365-81.2% |