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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 | $255,047 | $107,368+137.5% | $92,915+174.5% | $152,909+66.8% |
| Participation rate | 36.4% | 79.8%-43.4pp | 76.0%-39.6pp | 82.5%-46.1pp |
| Annual return | 21.49% | 145.64%-124.2pp | 109.45%-88.0pp | 345.46%-324.0pp |
| Employer contribution / active EE | $3,925 | $4,222-7.0% | $3,653+7.4% | $4,764-17.6% |
| Participant deferral / active EE | $4,027 | $4,848-16.9% | $4,238-5.0% | $5,851-31.2% |
| Admin fee / account holder | $902 | $7,082-87.3% | $5,796-84.4% | $11,601-92.2% |