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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 | $377,343 | $162,136+132.7% | $152,301+147.8% | $154,746+143.8% |
| Participation rate | 57.1% | 84.1%-27.0pp | 82.4%-25.3pp | 80.7%-23.6pp |
| Annual return | 13.58% | 91.02%-77.4pp | 80.50%-66.9pp | 172.34%-158.8pp |
| Employer contribution / active EE | $2,576 | $4,890-47.3% | $4,624-44.3% | $4,379-41.2% |
| Participant deferral / active EE | $18,856 | $8,341+126.1% | $8,004+135.6% | $6,730+180.2% |
| Admin fee / account holder | $171,072 | $15,759+985.5% | $14,398+1088.2% | $14,365+1090.9% |