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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 | $355,375 | $156,398+127.2% | $147,318+141.2% | $138,895+155.9% |
| Participation rate | 53.8% | 83.8%-29.9pp | 82.1%-28.2pp | 79.9%-26.1pp |
| Annual return | 31.60% | 78.75%-47.1pp | 70.43%-38.8pp | 145.39%-113.8pp |
| Employer contribution / active EE | $3,207 | $4,853-33.9% | $4,593-30.2% | $4,194-23.5% |
| Participant deferral / active EE | $6,256 | $8,237-24.1% | $7,906-20.9% | $6,396-2.2% |
| Admin fee / account holder | $8,263 | $14,976-44.8% | $13,708-39.7% | $12,562-34.2% |