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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 | $287,854 | $289,211-0.5% | $260,467+10.5% | $198,609+44.9% |
| Participation rate | 57.9% | 83.1%-25.2pp | 80.5%-22.6pp | 82.4%-24.5pp |
| Annual return | 13.92% | 112.90%-99.0pp | 100.60%-86.7pp | 202.70%-188.8pp |
| Employer contribution / active EE | $9,494 | $4,663+103.6% | $4,239+124.0% | $5,055+87.8% |
| Participant deferral / active EE | $14,450 | $6,812+112.1% | $6,319+128.7% | $6,977+107.1% |
| Admin fee / account holder | $52,241 | $16,236+221.8% | $15,461+237.9% | $19,030+174.5% |