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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 | $313,854 | $85,766+265.9% | $136,298+130.3% | $70,126+347.6% |
| Participation rate | 12.1% | 74.2%-62.0pp | 81.9%-69.8pp | 69.5%-57.4pp |
| Annual return | 15.77% | 31.46%-15.7pp | 5156.27%-5140.5pp | 73.15%-57.4pp |
| Employer contribution / active EE | $10,243 | $2,966+245.3% | $4,696+118.1% | $2,343+337.3% |
| Participant deferral / active EE | $18,649 | $5,051+269.2% | $6,247+198.5% | $3,332+459.7% |
| Admin fee / account holder | $6,584 | $5,421+21.5% | $9,244-28.8% | $4,645+41.7% |