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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 | $271,114 | $217,432+24.7% | $185,849+45.9% | $167,536+61.8% |
| Participation rate | 44.4% | 86.1%-41.6pp | 81.7%-37.3pp | 82.1%-37.7pp |
| Annual return | 11.40% | 148.42%-137.0pp | 122.10%-110.7pp | 478.82%-467.4pp |
| Employer contribution / active EE | $1,671 | $5,875-71.5% | $5,169-67.7% | $4,839-65.5% |
| Participant deferral / active EE | $5,708 | $6,357-10.2% | $5,569+2.5% | $6,342-10.0% |
| Admin fee / account holder | $9,043 | $19,818-54.4% | $16,244-44.3% | $12,315-26.6% |