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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 | $267,353 | $160,028+67.1% | $147,080+81.8% | $145,884+83.3% |
| Participation rate | 58.3% | 84.0%-25.7pp | 82.2%-23.8pp | 80.3%-22.0pp |
| Annual return | 14.65% | 98.60%-83.9pp | 420.17%-405.5pp | 551.85%-537.2pp |
| Employer contribution / active EE | $4,665 | $5,286-11.7% | $4,933-5.4% | $4,662+0.1% |
| Participant deferral / active EE | $8,445 | $8,422+0.3% | $8,066+4.7% | $6,690+26.2% |
| Admin fee / account holder | $109,540 | $15,030+628.8% | $12,989+743.3% | $13,392+718.0% |