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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 | $296,059 | $111,830+164.7% | $93,696+216.0% | $145,884+102.9% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 12.12% | 204.08%-192.0pp | 133.74%-121.6pp | 551.85%-539.7pp |
| Employer contribution / active EE | $4,286 | $3,093+38.6% | $2,422+77.0% | $4,662-8.1% |
| Participant deferral / active EE | $7,564 | $4,920+53.7% | $4,417+71.3% | $6,690+13.1% |
| Admin fee / account holder | $2,329 | $10,249-77.3% | $8,287-71.9% | $13,392-82.6% |