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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 | $263,986 | $167,362+57.7% | $143,799+83.6% | $134,532+96.2% |
| Participation rate | 62.5% | 84.8%-22.3pp | 80.3%-17.8pp | 81.2%-18.7pp |
| Annual return | -17.88% | 0.47%-18.4pp | -0.04%-17.8pp | 418.27%-436.1pp |
| Employer contribution / active EE | $1,565 | $5,620-72.2% | $4,952-68.4% | $4,741-67.0% |
| Participant deferral / active EE | $7,090 | $6,447+10.0% | $5,638+25.7% | $6,401+10.8% |
| Admin fee / account holder | $556 | $18,094-96.9% | $14,677-96.2% | $11,429-95.1% |