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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 | $293,555 | $106,749+175.0% | $145,433+101.8% | $82,448+256.0% |
| Participation rate | 37.0% | 75.6%-38.6pp | 82.1%-45.1pp | 68.1%-31.0pp |
| Annual return | 17.23% | 27.59%-10.4pp | 66.58%-49.3pp | 41.64%-24.4pp |
| Employer contribution / active EE | $1,489 | $3,444-56.8% | $4,554-67.3% | $2,551-41.6% |
| Participant deferral / active EE | $3,665 | $6,519-43.8% | $7,897-53.6% | $4,139-11.5% |
| Admin fee / account holder | $2,369 | $8,390-71.8% | $13,129-82.0% | $7,234-67.3% |