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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 | $432,695 | $171,492+152.3% | $150,734+187.1% | $198,609+117.9% |
| Participation rate | 66.7% | 81.4%-14.7pp | 78.4%-11.8pp | 82.4%-15.7pp |
| Annual return | 3.82% | 804.70%-800.9pp | 600.81%-597.0pp | 202.70%-198.9pp |
| Employer contribution / active EE | $1,667 | $5,470-69.5% | $4,918-66.1% | $5,055-67.0% |
| Participant deferral / active EE | $2,625 | $6,259-58.1% | $5,610-53.2% | $6,977-62.4% |
| Admin fee / account holder | $4,039 | $17,628-77.1% | $14,905-72.9% | $19,030-78.8% |