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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 | $280,195 | $183,539+52.7% | $155,556+80.1% | $145,897+92.0% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 16.70% | 61.31%-44.6pp | 64.84%-48.1pp | 552.29%-535.6pp |
| Employer contribution / active EE | $3,041 | $5,315-42.8% | $4,675-35.0% | $4,663-34.8% |
| Participant deferral / active EE | $5,095 | $6,467-21.2% | $5,631-9.5% | $6,689-23.8% |
| Admin fee / account holder | $3,925 | $19,275-79.6% | $15,885-75.3% | $13,390-70.7% |