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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 | $337,594 | $78,707+328.9% | $117,861+186.4% | $70,126+381.4% |
| Participation rate | 17.2% | 73.2%-56.0pp | 79.7%-62.4pp | 69.5%-52.3pp |
| Annual return | 16.36% | 23.30%-6.9pp | 335.11%-318.7pp | 73.15%-56.8pp |
| Employer contribution / active EE | $857 | $2,223-61.5% | $3,786-77.4% | $2,343-63.4% |
| Participant deferral / active EE | $2,604 | $3,297-21.0% | $4,482-41.9% | $3,332-21.9% |
| Admin fee / account holder | $1,354 | $5,066-73.3% | $8,021-83.1% | $4,645-70.9% |