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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 | $382,538 | $227,399+68.2% | $189,758+101.6% | $198,609+92.6% |
| Participation rate | 66.7% | 84.0%-17.3pp | 79.8%-13.1pp | 82.4%-15.7pp |
| Annual return | 12.71% | 61.03%-48.3pp | 52.62%-39.9pp | 202.70%-190.0pp |
| Employer contribution / active EE | $2,942 | $5,526-46.8% | $4,767-38.3% | $5,055-41.8% |
| Participant deferral / active EE | $5,049 | $6,837-26.2% | $5,856-13.8% | $6,977-27.6% |
| Admin fee / account holder | $4,097 | $25,162-83.7% | $20,388-79.9% | $19,030-78.5% |