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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 | $261,155 | $202,440+29.0% | $169,390+54.2% | $139,466+87.3% |
| Participation rate | 44.4% | 81.1%-36.7pp | 77.2%-32.7pp | 80.3%-35.9pp |
| Annual return | 15.14% | 532.36%-517.2pp | 406.07%-390.9pp | 373.66%-358.5pp |
| Employer contribution / active EE | $5,351 | $4,693+14.0% | $4,013+33.4% | $4,754+12.6% |
| Participant deferral / active EE | $14,139 | $6,940+103.7% | $6,222+127.2% | $6,712+110.7% |
| Admin fee / account holder | $2,659 | $10,722-75.2% | $9,015-70.5% | $11,409-76.7% |