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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 | $310,754 | $111,830+177.9% | $93,696+231.7% | $145,884+113.0% |
| Participation rate | 45.5% | 74.2%-28.8pp | 68.7%-23.3pp | 80.3%-34.8pp |
| Annual return | 21.86% | 204.08%-182.2pp | 133.74%-111.9pp | 551.85%-530.0pp |
| Employer contribution / active EE | $1,737 | $3,093-43.9% | $2,422-28.3% | $4,662-62.8% |
| Participant deferral / active EE | $2,330 | $4,920-52.6% | $4,417-47.2% | $6,690-65.2% |
| Admin fee / account holder | $9,041 | $10,249-11.8% | $8,287+9.1% | $13,392-32.5% |