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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 | $399,631 | $88,702+350.5% | $81,780+388.7% | $145,978+173.8% |
| Participation rate | 40.0% | 75.0%-35.0pp | 72.4%-32.4pp | 80.3%-40.3pp |
| Annual return | 21.76% | 1029.12%-1007.4pp | 776.27%-754.5pp | 550.52%-528.8pp |
| Employer contribution / active EE | $11,057 | $3,084+258.5% | $2,914+279.5% | $4,662+137.2% |
| Participant deferral / active EE | $9,256 | $4,645+99.3% | $4,321+114.2% | $6,690+38.4% |
| Admin fee / account holder | $109,347 | $8,414+1199.5% | $7,384+1380.9% | $13,400+716.0% |