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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 | $309,890 | $110,337+180.9% | $102,383+202.7% | $145,877+112.4% |
| Participation rate | 54.5% | 77.9%-23.4pp | 74.5%-20.0pp | 80.3%-25.8pp |
| Annual return | 9.49% | 24.83%-15.3pp | 24.94%-15.4pp | 551.28%-541.8pp |
| Employer contribution / active EE | $3,181 | $4,216-24.5% | $3,870-17.8% | $4,663-31.8% |
| Participant deferral / active EE | $9,362 | $5,621+66.6% | $5,060+85.0% | $6,691+39.9% |
| Admin fee / account holder | $119,834 | $9,750+1129.1% | $8,391+1328.1% | $13,402+794.1% |