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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 | $352,198 | $111,535+215.8% | $105,223+234.7% | $137,256+156.6% |
| Participation rate | 54.5% | 78.1%-23.5pp | 75.0%-20.5pp | 80.0%-25.4pp |
| Annual return | 13.21% | 237.85%-224.6pp | 180.65%-167.4pp | 220.34%-207.1pp |
| Employer contribution / active EE | $3,650 | $3,939-7.3% | $3,689-1.0% | $4,156-12.2% |
| Participant deferral / active EE | $10,283 | $5,500+87.0% | $5,072+102.8% | $6,407+60.5% |
| Admin fee / account holder | $76,904 | $9,721+691.1% | $8,859+768.1% | $12,270+526.8% |