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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 | $329,933 | $198,462+66.2% | $170,439+93.6% | $147,585+123.6% |
| Participation rate | 16.7% | 88.0%-71.3pp | 83.6%-66.9pp | 82.8%-66.2pp |
| Annual return | 10.09% | 257.30%-247.2pp | 205.94%-195.9pp | 578.58%-568.5pp |
| Employer contribution / active EE | $1,767 | $6,184-71.4% | $5,433-67.5% | $4,876-63.8% |
| Participant deferral / active EE | $3,000 | $5,629-46.7% | $4,939-39.3% | $5,439-44.8% |
| Admin fee / account holder | $24,608 | $16,852+46.0% | $13,881+77.3% | $10,886+126.1% |