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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 | $259,269 | $176,105+47.2% | $159,474+62.6% | $167,536+54.8% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 13.38% | 331.91%-318.5pp | 263.68%-250.3pp | 478.82%-465.4pp |
| Employer contribution / active EE | $3,001 | $5,299-43.4% | $4,831-37.9% | $4,839-38.0% |
| Participant deferral / active EE | $8,905 | $7,751+14.9% | $7,353+21.1% | $6,342+40.4% |
| Admin fee / account holder | $2,496 | $12,559-80.1% | $10,802-76.9% | $12,315-79.7% |