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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 | $269,028 | $60,139+347.3% | $90,461+197.4% | $79,856+236.9% |
| Participation rate | 63.2% | 65.0%-1.8pp | 72.7%-9.5pp | 69.6%-6.5pp |
| Annual return | 20.52% | 71.96%-51.4pp | 1294.76%-1274.2pp | 31.71%-11.2pp |
| Employer contribution / active EE | $2,379 | $2,069+15.0% | $3,264-27.1% | $2,471-3.7% |
| Participant deferral / active EE | $4,394 | $2,939+49.5% | $3,964+10.8% | $3,741+17.5% |
| Admin fee / account holder | $2,417 | $3,978-39.2% | $5,617-57.0% | $5,306-54.4% |