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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 | $365,450 | $81,358+349.2% | $155,556+134.9% | $80,959+351.4% |
| Participation rate | 63.6% | 66.3%-2.6pp | 78.2%-14.6pp | 67.7%-4.0pp |
| Annual return | 19.81% | 33.39%-13.6pp | 64.84%-45.0pp | 35.67%-15.9pp |
| Employer contribution / active EE | $4,212 | $3,106+35.6% | $4,675-9.9% | $2,757+52.8% |
| Participant deferral / active EE | $7,278 | $3,455+110.6% | $5,631+29.2% | $4,300+69.2% |
| Admin fee / account holder | $30,822 | $7,994+285.6% | $15,885+94.0% | $6,925+345.1% |