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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 | $305,470 | $121,656+151.1% | $104,614+192.0% | $158,950+92.2% |
| Participation rate | 33.3% | 77.5%-44.2pp | 74.1%-40.7pp | 82.0%-48.6pp |
| Annual return | 6.33% | 465.51%-459.2pp | 340.56%-334.2pp | 302.91%-296.6pp |
| Employer contribution / active EE | $2,475 | $3,164-21.8% | $2,681-7.7% | $4,762-48.0% |
| Participant deferral / active EE | $4,333 | $4,177+3.7% | $3,739+15.9% | $5,983-27.6% |
| Admin fee / account holder | $3,866 | $7,775-50.3% | $6,464-40.2% | $11,248-65.6% |