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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 | $417,647 | $154,209+170.8% | $130,062+221.1% | $139,487+199.4% |
| Participation rate | 40.0% | 82.0%-42.0pp | 78.5%-38.5pp | 80.3%-40.3pp |
| Annual return | 16.43% | 32.52%-16.1pp | -137.37%+153.8pp | 373.84%-357.4pp |
| Employer contribution / active EE | $2,130 | $5,292-59.8% | $4,322-50.7% | $4,755-55.2% |
| Participant deferral / active EE | $6,094 | $6,709-9.2% | $5,821+4.7% | $6,713-9.2% |
| Admin fee / account holder | $8,752 | $13,988-37.4% | $10,601-17.4% | $11,407-23.3% |