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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 | $265,805 | $167,353+58.8% | $143,797+84.8% | $134,545+97.6% |
| Participation rate | 65.0% | 84.8%-19.8pp | 80.3%-15.3pp | 81.2%-16.2pp |
| Annual return | -17.70% | 0.48%-18.2pp | -0.04%-17.7pp | 418.37%-436.1pp |
| Employer contribution / active EE | $8,065 | $5,620+43.5% | $4,952+62.8% | $4,742+70.1% |
| Participant deferral / active EE | $4,724 | $6,447-26.7% | $5,638-16.2% | $6,401-26.2% |
| Admin fee / account holder | $4,679 | $18,096-74.1% | $14,679-68.1% | $11,431-59.1% |