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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 | $386,803 | $209,428+84.7% | $178,498+116.7% | $158,950+143.3% |
| Participation rate | 25.0% | 86.4%-61.4pp | 81.9%-56.9pp | 82.0%-57.0pp |
| Annual return | 15.80% | 188.78%-173.0pp | 151.09%-135.3pp | 302.91%-287.1pp |
| Employer contribution / active EE | $1,395 | $5,707-75.6% | $5,011-72.2% | $4,762-70.7% |
| Participant deferral / active EE | $6,364 | $5,955+6.9% | $5,202+22.3% | $5,983+6.4% |
| Admin fee / account holder | $165,028 | $17,077+866.4% | $13,985+1080.0% | $11,248+1367.1% |