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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 | $254,968 | $129,737+96.5% | $119,126+114.0% | $154,746+64.8% |
| Participation rate | 62.5% | 78.9%-16.4pp | 75.8%-13.3pp | 80.7%-18.2pp |
| Annual return | 13.59% | 379.08%-365.5pp | 282.11%-268.5pp | 172.34%-158.7pp |
| Employer contribution / active EE | $3,419 | $4,375-21.9% | $4,034-15.2% | $4,379-21.9% |
| Participant deferral / active EE | $11,069 | $5,842+89.5% | $5,318+108.1% | $6,730+64.5% |
| Admin fee / account holder | $36,629 | $11,961+206.2% | $10,693+242.5% | $14,365+155.0% |