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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 | $315,418 | $183,539+71.9% | $155,556+102.8% | $145,897+116.2% |
| Participation rate | 69.2% | 82.7%-13.5pp | 78.2%-9.0pp | 80.3%-11.1pp |
| Annual return | 16.58% | 61.31%-44.7pp | 64.84%-48.3pp | 552.29%-535.7pp |
| Employer contribution / active EE | $2,463 | $5,315-53.7% | $4,675-47.3% | $4,663-47.2% |
| Participant deferral / active EE | $8,651 | $6,467+33.8% | $5,631+53.6% | $6,689+29.3% |
| Admin fee / account holder | $724 | $19,275-96.2% | $15,885-95.4% | $13,390-94.6% |