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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 | $357,933 | $107,368+233.4% | $92,915+285.2% | $152,909+134.1% |
| Participation rate | 44.4% | 79.8%-35.3pp | 76.0%-31.6pp | 82.5%-38.0pp |
| Annual return | 31.64% | 145.64%-114.0pp | 109.45%-77.8pp | 345.46%-313.8pp |
| Employer contribution / active EE | $2,345 | $4,222-44.5% | $3,653-35.8% | $4,764-50.8% |
| Participant deferral / active EE | $2,901 | $4,848-40.2% | $4,238-31.6% | $5,851-50.4% |
| Admin fee / account holder | $1,446 | $7,082-79.6% | $5,796-75.1% | $11,601-87.5% |