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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 | $257,051 | $77,638+231.1% | $156,551+64.2% | $62,881+308.8% |
| Participation rate | 66.7% | 71.2%-4.5pp | 84.0%-17.3pp | 69.3%-2.6pp |
| Annual return | 12.50% | 50.33%-37.8pp | 32.23%-19.7pp | 20.14%-7.6pp |
| Employer contribution / active EE | $15,451 | $3,444+348.6% | $5,501+180.9% | $2,281+577.4% |
| Participant deferral / active EE | $3,305 | $3,046+8.5% | $4,871-32.2% | $3,203+3.2% |
| Admin fee / account holder | $20,165 | $5,561+262.6% | $13,028+54.8% | $4,296+369.4% |