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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 | $265,469 | $176,105+50.7% | $159,474+66.5% | $167,536+58.5% |
| Participation rate | 63.6% | 85.0%-21.3pp | 82.8%-19.2pp | 82.1%-18.5pp |
| Annual return | 15.11% | 331.91%-316.8pp | 263.68%-248.6pp | 478.82%-463.7pp |
| Employer contribution / active EE | $8,889 | $5,299+67.8% | $4,831+84.0% | $4,839+83.7% |
| Participant deferral / active EE | $9,132 | $7,751+17.8% | $7,353+24.2% | $6,342+44.0% |
| Admin fee / account holder | $1,117 | $12,559-91.1% | $10,802-89.7% | $12,315-90.9% |