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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 | $275,285 | $181,062+52.0% | $158,223+74.0% | $155,188+77.4% |
| Participation rate | 66.7% | 82.7%-16.0pp | 79.2%-12.5pp | 80.8%-14.1pp |
| Annual return | 12.47% | 57.39%-44.9pp | 52.09%-39.6pp | 148.84%-136.4pp |
| Employer contribution / active EE | $18,162 | $4,565+297.9% | $4,109+342.0% | $4,248+327.6% |
| Participant deferral / active EE | $11,822 | $6,134+92.7% | $5,467+116.2% | $6,531+81.0% |
| Admin fee / account holder | $39,094 | $18,825+107.7% | $16,047+143.6% | $14,480+170.0% |