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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 | $306,640 | $202,342+51.5% | $172,753+77.5% | $152,909+100.5% |
| Participation rate | 54.5% | 87.1%-32.5pp | 82.6%-28.1pp | 82.5%-27.9pp |
| Annual return | 15.75% | 1029.88%-1014.1pp | 803.00%-787.3pp | 345.46%-329.7pp |
| Employer contribution / active EE | $2,613 | $5,857-55.4% | $5,144-49.2% | $4,764-45.1% |
| Participant deferral / active EE | $5,974 | $5,948+0.4% | $5,198+14.9% | $5,851+2.1% |
| Admin fee / account holder | $11,822 | $17,112-30.9% | $13,956-15.3% | $11,601+1.9% |