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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 | $295,581 | $72,071+310.1% | $68,368+332.3% | $137,256+115.4% |
| Participation rate | 29.2% | 76.2%-47.1pp | 73.8%-44.6pp | 80.0%-50.8pp |
| Annual return | 14.99% | 353.14%-338.1pp | 292.57%-277.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $1,249 | $2,788-55.2% | $2,649-52.9% | $4,156-70.0% |
| Participant deferral / active EE | $3,369 | $4,410-23.6% | $4,123-18.3% | $6,407-47.4% |
| Admin fee / account holder | $1,875 | $5,336-64.9% | $5,150-63.6% | $12,270-84.7% |