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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 | $267,542 | $72,486+269.1% | $87,103+207.2% | $72,976+266.6% |
| Participation rate | 58.6% | 72.8%-14.2pp | 76.9%-18.3pp | 69.5%-10.9pp |
| Annual return | 17.43% | 24.46%-7.0pp | 28.19%-10.8pp | 81.02%-63.6pp |
| Employer contribution / active EE | $1,564 | $1,894-17.4% | $2,521-38.0% | $2,440-35.9% |
| Participant deferral / active EE | $4,178 | $3,270+27.8% | $4,049+3.2% | $3,608+15.8% |
| Admin fee / account holder | $4,662 | $5,055-7.8% | $7,491-37.8% | $5,124-9.0% |