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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 | $296,617 | $176,077+68.5% | $159,455+86.0% | $167,518+77.1% |
| Participation rate | 66.7% | 84.9%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 15.69% | 331.83%-316.1pp | 263.63%-247.9pp | 478.71%-463.0pp |
| Employer contribution / active EE | $2,554 | $5,298-51.8% | $4,830-47.1% | $4,838-47.2% |
| Participant deferral / active EE | $7,758 | $7,751+0.1% | $7,353+5.5% | $6,342+22.3% |
| Admin fee / account holder | $2,236 | $12,556-82.2% | $10,800-79.3% | $12,312-81.8% |