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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 | $348,049 | $90,400+285.0% | $186,193+86.9% | $87,485+297.8% |
| Participation rate | 60.8% | 66.2%-5.4pp | 77.1%-16.3pp | 68.9%-8.1pp |
| Annual return | 13.72% | 22.15%-8.4pp | 78.03%-64.3pp | 26.06%-12.3pp |
| Employer contribution / active EE | $9,245 | $2,170+326.0% | $3,918+135.9% | $2,596+256.1% |
| Participant deferral / active EE | $8,487 | $4,330+96.0% | $6,513+30.3% | $4,274+98.6% |
| Admin fee / account holder | $9,101 | $8,673+4.9% | $11,058-17.7% | $7,775+17.1% |