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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 | $289,002 | $99,875+189.4% | $146,866+96.8% | $86,983+232.3% |
| Participation rate | 67.9% | 75.8%-7.9pp | 82.5%-14.7pp | 69.5%-1.7pp |
| Annual return | 16.34% | 28.10%-11.8pp | 102.85%-86.5pp | 25.83%-9.5pp |
| Employer contribution / active EE | $2,861 | $3,224-11.3% | $4,425-35.3% | $2,584+10.7% |
| Participant deferral / active EE | $6,273 | $6,322-0.8% | $7,759-19.2% | $4,194+49.6% |
| Admin fee / account holder | $32,681 | $7,838+317.0% | $13,620+139.9% | $7,856+316.0% |