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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 | $270,692 | $108,285+150.0% | $77,552+249.0% | $158,982+70.3% |
| Participation rate | 8.3% | 64.4%-56.1pp | 54.2%-45.9pp | 82.0%-73.6pp |
| Annual return | 11.36% | 31.69%-20.3pp | 54.82%-43.5pp | 302.99%-291.6pp |
| Employer contribution / active EE | $158 | $1,325-88.1% | $987-84.0% | $4,763-96.7% |
| Participant deferral / active EE | $984 | $2,455-59.9% | $1,861-47.1% | $5,983-83.5% |
| Admin fee / account holder | $2,011 | $3,709-45.8% | $2,859-29.7% | $11,252-82.1% |