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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 | $402,541 | $160,028+151.5% | $147,080+173.7% | $145,884+175.9% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.8pp | 80.3%-47.0pp |
| Annual return | 11.69% | 98.60%-86.9pp | 420.17%-408.5pp | 551.85%-540.2pp |
| Employer contribution / active EE | $1,076 | $5,286-79.6% | $4,933-78.2% | $4,662-76.9% |
| Participant deferral / active EE | $6,833 | $8,422-18.9% | $8,066-15.3% | $6,690+2.1% |
| Admin fee / account holder | $3,403 | $15,030-77.4% | $12,989-73.8% | $13,392-74.6% |