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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 | $271,433 | $114,119+137.8% | $107,187+153.2% | $138,895+95.4% |
| Participation rate | 33.3% | 78.1%-44.7pp | 75.0%-41.7pp | 79.9%-46.6pp |
| Annual return | 18.67% | 273.21%-254.5pp | 204.55%-185.9pp | 145.39%-126.7pp |
| Employer contribution / active EE | $1,180 | $4,059-70.9% | $3,782-68.8% | $4,194-71.9% |
| Participant deferral / active EE | $3,592 | $5,538-35.1% | $5,096-29.5% | $6,396-43.8% |
| Admin fee / account holder | $20,355 | $10,024+103.1% | $9,162+122.2% | $12,562+62.0% |