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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 | $166,268+67.7% | $165,100+68.9% | $145,897+91.1% |
| Participation rate | 61.5% | 82.0%-20.5pp | 78.6%-17.1pp | 80.3%-18.8pp |
| Annual return | 20.83% | 100.52%-79.7pp | 70.21%-49.4pp | 552.29%-531.5pp |
| Employer contribution / active EE | $2,177 | $5,284-58.8% | $4,348-49.9% | $4,663-53.3% |
| Participant deferral / active EE | $7,250 | $6,964+4.1% | $6,035+20.1% | $6,689+8.4% |
| Admin fee / account holder | $14,700 | $16,659-11.8% | $12,696+15.8% | $13,390+9.8% |