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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 | $343,786 | $162,529+111.5% | $130,788+162.9% | $154,746+122.2% |
| Participation rate | 57.1% | 75.9%-18.7pp | 70.1%-13.0pp | 80.7%-23.6pp |
| Annual return | 17.09% | 510.48%-493.4pp | 386.44%-369.3pp | 172.34%-155.2pp |
| Employer contribution / active EE | $3,077 | $4,447-30.8% | $3,558-13.5% | $4,379-29.7% |
| Participant deferral / active EE | $5,067 | $4,808+5.4% | $4,137+22.5% | $6,730-24.7% |
| Admin fee / account holder | $8,809 | $7,669+14.9% | $6,673+32.0% | $14,365-38.7% |