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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 | $160,070+65.2% | $147,117+79.7% | $145,897+81.2% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 11.19% | 98.69%-87.5pp | 420.54%-409.3pp | 552.29%-541.1pp |
| Employer contribution / active EE | $2,187 | $5,285-58.6% | $4,932-55.7% | $4,663-53.1% |
| Participant deferral / active EE | $9,182 | $8,419+9.1% | $8,065+13.9% | $6,689+37.3% |
| Admin fee / account holder | $14,136 | $15,035-6.0% | $12,993+8.8% | $13,390+5.6% |