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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 | $392,441 | $217,432+80.5% | $185,849+111.2% | $167,536+134.2% |
| Participation rate | 60.0% | 86.1%-26.1pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 9.35% | 148.42%-139.1pp | 122.10%-112.7pp | 478.82%-469.5pp |
| Employer contribution / active EE | $6,232 | $5,875+6.1% | $5,169+20.6% | $4,839+28.8% |
| Participant deferral / active EE | $7,328 | $6,357+15.3% | $5,569+31.6% | $6,342+15.5% |
| Admin fee / account holder | $1,104 | $19,818-94.4% | $16,244-93.2% | $12,315-91.0% |