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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 | $260,404 | $160,040+62.7% | $147,096+77.0% | $145,877+78.5% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 20.33% | 98.49%-78.2pp | 419.75%-399.4pp | 551.28%-531.0pp |
| Employer contribution / active EE | $5,862 | $5,289+10.8% | $4,936+18.8% | $4,663+25.7% |
| Participant deferral / active EE | $5,463 | $8,429-35.2% | $8,071-32.3% | $6,691-18.3% |
| Admin fee / account holder | $95,689 | $15,050+535.8% | $13,005+635.8% | $13,402+614.0% |