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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 | $296,688 | $223,823+32.6% | $211,142+40.5% | $154,746+91.7% |
| Participation rate | 63.2% | 87.9%-24.7pp | 87.3%-24.1pp | 80.7%-17.5pp |
| Annual return | 15.59% | 50.39%-34.8pp | 46.84%-31.3pp | 172.34%-156.8pp |
| Employer contribution / active EE | $2,055 | $6,787-69.7% | $6,442-68.1% | $4,379-53.1% |
| Participant deferral / active EE | $7,804 | $9,750-20.0% | $9,284-15.9% | $6,730+15.9% |
| Admin fee / account holder | $1,294 | $19,707-93.4% | $19,076-93.2% | $14,365-91.0% |