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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 | $392,702 | $162,136+142.2% | $152,301+157.8% | $154,746+153.8% |
| Participation rate | 54.5% | 84.1%-29.6pp | 82.4%-27.9pp | 80.7%-26.2pp |
| Annual return | 15.36% | 91.02%-75.7pp | 80.50%-65.1pp | 172.34%-157.0pp |
| Employer contribution / active EE | $3,616 | $4,890-26.0% | $4,624-21.8% | $4,379-17.4% |
| Participant deferral / active EE | $13,099 | $8,341+57.0% | $8,004+63.7% | $6,730+94.6% |
| Admin fee / account holder | $15,153 | $15,759-3.8% | $14,398+5.2% | $14,365+5.5% |