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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 | $415,512 | $115,810+258.8% | $101,271+310.3% | $158,966+161.4% |
| Participation rate | 18.2% | 79.4%-61.2pp | 75.8%-57.6pp | 82.0%-63.8pp |
| Annual return | 12.75% | 56.15%-43.4pp | 46.48%-33.7pp | 302.95%-290.2pp |
| Employer contribution / active EE | $1,799 | $4,175-56.9% | $3,660-50.8% | $4,762-62.2% |
| Participant deferral / active EE | $4,136 | $4,958-16.6% | $4,371-5.4% | $5,983-30.9% |
| Admin fee / account holder | $3,032 | $7,248-58.2% | $5,948-49.0% | $11,250-73.0% |