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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 | $266,856 | $88,754+200.7% | $81,820+226.1% | $145,877+82.9% |
| Participation rate | 46.7% | 75.1%-28.4pp | 72.4%-25.7pp | 80.3%-33.6pp |
| Annual return | 17.39% | 1031.77%-1014.4pp | 777.93%-760.5pp | 551.28%-533.9pp |
| Employer contribution / active EE | $2,300 | $3,085-25.4% | $2,915-21.1% | $4,663-50.7% |
| Participant deferral / active EE | $9,353 | $4,648+101.2% | $4,323+116.4% | $6,691+39.8% |
| Admin fee / account holder | $10,809 | $8,424+28.3% | $7,391+46.3% | $13,402-19.4% |