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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 | $913,067 | $197,637+362.0% | $177,848+413.4% | $158,982+474.3% |
| Participation rate | 40.0% | 88.5%-48.5pp | 87.7%-47.7pp | 82.0%-42.0pp |
| Annual return | 17.37% | 58.77%-41.4pp | 48.33%-31.0pp | 302.99%-285.6pp |
| Employer contribution / active EE | $8,685 | $6,698+29.7% | $5,919+46.7% | $4,763+82.4% |
| Participant deferral / active EE | $10,400 | $8,405+23.7% | $7,714+34.8% | $5,983+73.8% |
| Admin fee / account holder | $22,802 | $15,406+48.0% | $12,431+83.4% | $11,252+102.7% |