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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 | $264,358 | $159,934+65.3% | $147,005+79.8% | $145,959+81.1% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 11.19% | 98.24%-87.0pp | 418.76%-407.6pp | 561.95%-550.8pp |
| Employer contribution / active EE | $2,187 | $5,287-58.6% | $4,934-55.7% | $4,661-53.1% |
| Participant deferral / active EE | $9,182 | $8,427+9.0% | $8,070+13.8% | $6,689+37.3% |
| Admin fee / account holder | $14,136 | $15,053-6.1% | $13,006+8.7% | $13,398+5.5% |