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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 | $345,420 | $171,492+101.4% | $150,734+129.2% | $198,609+73.9% |
| Participation rate | 21.1% | 81.4%-60.4pp | 78.4%-57.4pp | 82.4%-61.3pp |
| Annual return | 13.48% | 804.70%-791.2pp | 600.81%-587.3pp | 202.70%-189.2pp |
| Employer contribution / active EE | $0 | $5,470-100.0% | $4,918-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $4,135 | $6,259-33.9% | $5,610-26.3% | $6,977-40.7% |
| Admin fee / account holder | $7,274 | $17,628-58.7% | $14,905-51.2% | $19,030-61.8% |