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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 | $290,042 | $95,404+204.0% | $113,397+155.8% | $82,637+251.0% |
| Participation rate | 27.9% | 72.8%-44.9pp | 76.5%-48.6pp | 68.1%-40.1pp |
| Annual return | 13.01% | 19.08%-6.1pp | 23.20%-10.2pp | 53.51%-40.5pp |
| Employer contribution / active EE | $1,256 | $2,307-45.6% | $2,977-57.8% | $2,552-50.8% |
| Participant deferral / active EE | $4,184 | $4,220-0.8% | $5,076-17.6% | $4,126+1.4% |
| Admin fee / account holder | $6,481 | $9,168-29.3% | $11,957-45.8% | $7,339-11.7% |