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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 | $282,677 | $183,592+54.0% | $155,574+81.7% | $145,877+93.8% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 14.71% | 61.37%-46.7pp | 64.87%-50.2pp | 551.28%-536.6pp |
| Employer contribution / active EE | $1,262 | $5,317-76.3% | $4,676-73.0% | $4,663-72.9% |
| Participant deferral / active EE | $8,530 | $6,466+31.9% | $5,629+51.5% | $6,691+27.5% |
| Admin fee / account holder | $3,750 | $19,316-80.6% | $15,914-76.4% | $13,402-72.0% |