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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 | $268,016 | $107,363+149.6% | $92,909+188.5% | $152,897+75.3% |
| Participation rate | 37.5% | 79.8%-42.3pp | 76.0%-38.5pp | 82.5%-45.0pp |
| Annual return | 14.80% | 145.63%-130.8pp | 109.44%-94.6pp | 345.43%-330.6pp |
| Employer contribution / active EE | $895 | $4,222-78.8% | $3,653-75.5% | $4,764-81.2% |
| Participant deferral / active EE | $6,250 | $4,848+28.9% | $4,238+47.5% | $5,851+6.8% |
| Admin fee / account holder | $1,299 | $7,082-81.7% | $5,795-77.6% | $11,599-88.8% |