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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 | $315,382 | $183,627+71.8% | $155,602+102.7% | $145,978+116.0% |
| Participation rate | 37.5% | 82.7%-45.2pp | 78.2%-40.7pp | 80.3%-42.8pp |
| Annual return | 12.37% | 61.32%-48.9pp | 64.81%-52.4pp | 550.52%-538.1pp |
| Employer contribution / active EE | $2,151 | $5,316-59.5% | $4,675-54.0% | $4,662-53.9% |
| Participant deferral / active EE | $5,978 | $6,466-7.5% | $5,629+6.2% | $6,690-10.6% |
| Admin fee / account holder | $166,675 | $19,327+762.4% | $15,923+946.7% | $13,400+1143.8% |