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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 | $540,377 | $97,125+456.4% | $86,233+526.6% | $137,256+293.7% |
| Participation rate | 20.0% | 74.2%-54.2pp | 69.0%-49.0pp | 80.0%-60.0pp |
| Annual return | 33.96% | 74.19%-40.2pp | 61.39%-27.4pp | 220.34%-186.4pp |
| Employer contribution / active EE | $1,988 | $2,841-30.0% | $2,504-20.6% | $4,156-52.2% |
| Participant deferral / active EE | $3,833 | $5,180-26.0% | $4,559-15.9% | $6,407-40.2% |
| Admin fee / account holder | $1,322 | $9,725-86.4% | $8,342-84.2% | $12,270-89.2% |