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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 | $111,814+164.8% | $93,654+216.1% | $145,959+102.8% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 12.12% | 203.30%-191.2pp | 133.34%-121.2pp | 561.95%-549.8pp |
| Employer contribution / active EE | $4,286 | $3,092+38.6% | $2,421+77.0% | $4,661-8.0% |
| Participant deferral / active EE | $7,564 | $4,914+53.9% | $4,413+71.4% | $6,689+13.1% |
| Admin fee / account holder | $2,329 | $10,246-77.3% | $8,282-71.9% | $13,398-82.6% |