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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 | $262,805 | $175,259+50.0% | $149,723+75.5% | $139,487+88.4% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 19.70% | 166.82%-147.1pp | 134.50%-114.8pp | 373.84%-354.1pp |
| Employer contribution / active EE | $3,714 | $5,478-32.2% | $4,821-23.0% | $4,755-21.9% |
| Participant deferral / active EE | $15,000 | $6,522+130.0% | $5,682+164.0% | $6,713+123.5% |
| Admin fee / account holder | $1,100 | $16,158-93.2% | $13,215-91.7% | $11,407-90.4% |