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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 | $258,101 | $209,425+23.2% | $178,499+44.6% | $158,966+62.4% |
| Participation rate | 63.6% | 86.4%-22.7pp | 81.9%-18.3pp | 82.0%-18.3pp |
| Annual return | 15.38% | 188.80%-173.4pp | 151.10%-135.7pp | 302.95%-287.6pp |
| Employer contribution / active EE | $2,270 | $5,707-60.2% | $5,011-54.7% | $4,762-52.3% |
| Participant deferral / active EE | $5,595 | $5,955-6.0% | $5,202+7.6% | $5,983-6.5% |
| Admin fee / account holder | $2,275 | $17,078-86.7% | $13,986-83.7% | $11,250-79.8% |