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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 | $330,030 | $123,000+168.3% | $105,582+212.6% | $198,609+66.2% |
| Participation rate | 38.1% | 76.8%-38.7pp | 71.8%-33.7pp | 82.4%-44.3pp |
| Annual return | 7.62% | 18.31%-10.7pp | 18.61%-11.0pp | 202.70%-195.1pp |
| Employer contribution / active EE | $1,252 | $3,582-65.1% | $2,984-58.1% | $5,055-75.2% |
| Participant deferral / active EE | $6,933 | $5,013+38.3% | $4,353+59.3% | $6,977-0.6% |
| Admin fee / account holder | $60,375 | $16,254+271.5% | $12,856+369.6% | $19,030+217.3% |