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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 | $298,449 | $183,516+62.6% | $155,534+91.9% | $145,884+104.6% |
| Participation rate | 57.1% | 82.7%-25.6pp | 78.2%-21.1pp | 80.3%-23.2pp |
| Annual return | 32.99% | 61.43%-28.4pp | 64.92%-31.9pp | 551.85%-518.9pp |
| Employer contribution / active EE | $1,902 | $5,315-64.2% | $4,675-59.3% | $4,662-59.2% |
| Participant deferral / active EE | $5,336 | $6,467-17.5% | $5,630-5.2% | $6,690-20.2% |
| Admin fee / account holder | $4,753 | $19,293-75.4% | $15,900-70.1% | $13,392-64.5% |