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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 | $651,967 | $213,785+205.0% | $185,441+251.6% | $155,188+320.1% |
| Participation rate | 36.4% | 83.2%-46.9pp | 80.3%-43.9pp | 80.8%-44.4pp |
| Annual return | 13.42% | 19.97%-6.6pp | 20.16%-6.7pp | 148.84%-135.4pp |
| Employer contribution / active EE | $1,252 | $5,393-76.8% | $4,672-73.2% | $4,248-70.5% |
| Participant deferral / active EE | $3,236 | $6,864-52.9% | $6,152-47.4% | $6,531-50.5% |
| Admin fee / account holder | $51,150 | $21,134+142.0% | $17,890+185.9% | $14,480+253.2% |