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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 | $278,856 | $166,131+67.9% | $164,975+69.0% | $145,877+91.2% |
| Participation rate | 61.5% | 82.0%-20.5pp | 78.6%-17.1pp | 80.3%-18.8pp |
| Annual return | 20.83% | 100.37%-79.5pp | 70.12%-49.3pp | 551.28%-530.5pp |
| Employer contribution / active EE | $2,177 | $5,276-58.7% | $4,343-49.9% | $4,663-53.3% |
| Participant deferral / active EE | $7,250 | $6,962+4.1% | $6,033+20.2% | $6,691+8.4% |
| Admin fee / account holder | $14,700 | $16,648-11.7% | $12,688+15.9% | $13,402+9.7% |