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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 | $318,080 | $125,193+154.1% | $105,591+201.2% | $145,978+117.9% |
| Participation rate | 42.9% | 77.6%-34.8pp | 75.3%-32.4pp | 80.3%-37.4pp |
| Annual return | 12.76% | 225.53%-212.8pp | 116.43%-103.7pp | 550.52%-537.8pp |
| Employer contribution / active EE | $1,536 | $3,718-58.7% | $3,166-51.5% | $4,662-67.1% |
| Participant deferral / active EE | $7,080 | $5,708+24.0% | $5,008+41.4% | $6,690+5.8% |
| Admin fee / account holder | $1,308 | $17,277-92.4% | $11,024-88.1% | $13,400-90.2% |