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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 | $530,404 | $160,028+231.4% | $147,080+260.6% | $145,884+263.6% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.2pp |
| Annual return | 17.40% | 98.60%-81.2pp | 420.17%-402.8pp | 551.85%-534.5pp |
| Employer contribution / active EE | $3,384 | $5,286-36.0% | $4,933-31.4% | $4,662-27.4% |
| Participant deferral / active EE | $9,211 | $8,422+9.4% | $8,066+14.2% | $6,690+37.7% |
| Admin fee / account holder | $17,006 | $15,030+13.1% | $12,989+30.9% | $13,392+27.0% |