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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 | $292,931 | $202,440+44.7% | $169,390+72.9% | $139,466+110.0% |
| Participation rate | 66.7% | 81.1%-14.4pp | 77.2%-10.5pp | 80.3%-13.7pp |
| Annual return | 10.39% | 532.36%-522.0pp | 406.07%-395.7pp | 373.66%-363.3pp |
| Employer contribution / active EE | $8,421 | $4,693+79.4% | $4,013+109.9% | $4,754+77.1% |
| Participant deferral / active EE | $8,721 | $6,940+25.7% | $6,222+40.2% | $6,712+29.9% |
| Admin fee / account holder | $16,154 | $10,722+50.7% | $9,015+79.2% | $11,409+41.6% |