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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 | $431,990 | $175,257+146.5% | $149,717+188.5% | $139,456+209.8% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 21.05% | 166.70%-145.7pp | 134.41%-113.4pp | 373.45%-352.4pp |
| Employer contribution / active EE | $7,786 | $5,477+42.2% | $4,820+61.6% | $4,753+63.8% |
| Participant deferral / active EE | $9,765 | $6,521+49.7% | $5,682+71.9% | $6,711+45.5% |
| Admin fee / account holder | $728 | $16,156-95.5% | $13,213-94.5% | $11,407-93.6% |