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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 | $299,136 | $171,492+74.4% | $150,734+98.5% | $198,609+50.6% |
| Participation rate | 54.5% | 81.4%-26.9pp | 78.4%-23.9pp | 82.4%-27.8pp |
| Annual return | 13.88% | 804.70%-790.8pp | 600.81%-586.9pp | 202.70%-188.8pp |
| Employer contribution / active EE | $1,535 | $5,470-71.9% | $4,918-68.8% | $5,055-69.6% |
| Participant deferral / active EE | $4,738 | $6,259-24.3% | $5,610-15.5% | $6,977-32.1% |
| Admin fee / account holder | $20,135 | $17,628+14.2% | $14,905+35.1% | $19,030+5.8% |