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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 | $276,870 | $50,554+447.7% | $67,681+309.1% | $87,485+216.5% |
| Participation rate | 63.5% | 67.7%-4.2pp | 73.7%-10.2pp | 68.9%-5.4pp |
| Annual return | 11.50% | 17.81%-6.3pp | 590.58%-579.1pp | 26.06%-14.6pp |
| Employer contribution / active EE | $14,658 | $1,988+637.2% | $2,678+447.3% | $2,596+464.6% |
| Participant deferral / active EE | $2,352 | $2,961-20.6% | $3,976-40.8% | $4,274-45.0% |
| Admin fee / account holder | $22,139 | $4,132+435.7% | $6,100+263.0% | $7,775+184.8% |