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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 | $295,755 | $183,516+61.2% | $155,534+90.2% | $145,884+102.7% |
| Participation rate | 69.2% | 82.7%-13.5pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 11.91% | 61.43%-49.5pp | 64.92%-53.0pp | 551.85%-539.9pp |
| Employer contribution / active EE | $7,114 | $5,315+33.9% | $4,675+52.2% | $4,662+52.6% |
| Participant deferral / active EE | $6,572 | $6,467+1.6% | $5,630+16.7% | $6,690-1.8% |
| Admin fee / account holder | $194,076 | $19,293+905.9% | $15,900+1120.6% | $13,392+1349.2% |