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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 | $160,028+116.2% | $147,080+135.2% | $145,884+137.1% |
| Participation rate | 58.3% | 84.0%-25.7pp | 82.2%-23.8pp | 80.3%-22.0pp |
| Annual return | 9.73% | 98.60%-88.9pp | 420.17%-410.4pp | 551.85%-542.1pp |
| Employer contribution / active EE | $3,006 | $5,286-43.1% | $4,933-39.1% | $4,662-35.5% |
| Participant deferral / active EE | $7,788 | $8,422-7.5% | $8,066-3.5% | $6,690+16.4% |
| Admin fee / account holder | $3,753 | $15,030-75.0% | $12,989-71.1% | $13,392-72.0% |