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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 | $283,715 | $57,590+392.6% | $86,233+229.0% | $82,448+244.1% |
| Participation rate | 60.7% | 57.9%+2.8pp | 69.0%-8.3pp | 68.1%-7.4pp |
| Annual return | 30.10% | 22.41%+7.7pp | 61.39%-31.3pp | 41.64%-11.5pp |
| Employer contribution / active EE | $4,148 | $1,655+150.6% | $2,504+65.6% | $2,551+62.6% |
| Participant deferral / active EE | $6,748 | $3,080+119.1% | $4,559+48.0% | $4,139+63.0% |
| Admin fee / account holder | $8,450 | $4,730+78.6% | $8,342+1.3% | $7,234+16.8% |