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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 | $259,040 | $115,814+123.7% | $101,275+155.8% | $158,982+62.9% |
| Participation rate | 38.5% | 79.4%-40.9pp | 75.8%-37.3pp | 82.0%-43.5pp |
| Annual return | 17.72% | 56.16%-38.4pp | 46.48%-28.8pp | 302.99%-285.3pp |
| Employer contribution / active EE | $3,548 | $4,176-15.0% | $3,660-3.1% | $4,763-25.5% |
| Participant deferral / active EE | $3,704 | $4,958-25.3% | $4,371-15.3% | $5,983-38.1% |
| Admin fee / account holder | $776 | $7,249-89.3% | $5,948-87.0% | $11,252-93.1% |