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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 | $575,854 | $172,111+234.6% | $150,298+283.1% | $137,256+319.5% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 15.10% | 69.37%-54.3pp | 62.79%-47.7pp | 220.34%-205.2pp |
| Employer contribution / active EE | $1,423 | $4,636-69.3% | $4,154-65.8% | $4,156-65.8% |
| Participant deferral / active EE | $12,067 | $6,166+95.7% | $5,453+121.3% | $6,407+88.3% |
| Admin fee / account holder | $7,215 | $16,471-56.2% | $14,116-48.9% | $12,270-41.2% |