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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 | $268,208 | $108,897+146.3% | $100,378+167.2% | $145,877+83.9% |
| Participation rate | 65.2% | 83.0%-17.7pp | 81.5%-16.3pp | 80.3%-15.1pp |
| Annual return | 32.38% | 58.17%-25.8pp | 49.41%-17.0pp | 551.28%-518.9pp |
| Employer contribution / active EE | $0 | $4,420-100.0% | $3,942-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $14,025 | $8,455+65.9% | $8,087+73.4% | $6,691+109.6% |
| Admin fee / account holder | $9,013 | $9,690-7.0% | $7,899+14.1% | $13,402-32.7% |