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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 | $345,932 | $159,934+116.3% | $147,005+135.3% | $145,959+137.0% |
| Participation rate | 58.3% | 84.0%-25.7pp | 82.2%-23.8pp | 80.3%-22.0pp |
| Annual return | 9.73% | 98.24%-88.5pp | 418.76%-409.0pp | 561.95%-552.2pp |
| Employer contribution / active EE | $3,006 | $5,287-43.1% | $4,934-39.1% | $4,661-35.5% |
| Participant deferral / active EE | $7,788 | $8,427-7.6% | $8,070-3.5% | $6,689+16.4% |
| Admin fee / account holder | $3,753 | $15,053-75.1% | $13,006-71.1% | $13,398-72.0% |