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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 | $306,355 | $183,592+66.9% | $155,574+96.9% | $145,877+110.0% |
| Participation rate | 31.8% | 82.7%-50.9pp | 78.2%-46.4pp | 80.3%-48.5pp |
| Annual return | 13.45% | 61.37%-47.9pp | 64.87%-51.4pp | 551.28%-537.8pp |
| Employer contribution / active EE | $1,951 | $5,317-63.3% | $4,676-58.3% | $4,663-58.2% |
| Participant deferral / active EE | $3,401 | $6,466-47.4% | $5,629-39.6% | $6,691-49.2% |
| Admin fee / account holder | $15,638 | $19,316-19.0% | $15,914-1.7% | $13,402+16.7% |