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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 | $437,090 | $148,582+194.2% | $135,942+221.5% | $139,456+213.4% |
| Participation rate | 63.6% | 83.9%-20.2pp | 81.9%-18.3pp | 80.3%-16.7pp |
| Annual return | 19.18% | 79.26%-60.1pp | 68.28%-49.1pp | 373.45%-354.3pp |
| Employer contribution / active EE | $2,054 | $5,245-60.8% | $4,858-57.7% | $4,753-56.8% |
| Participant deferral / active EE | $10,148 | $8,101+25.3% | $7,759+30.8% | $6,711+51.2% |
| Admin fee / account holder | $27,717 | $12,402+123.5% | $10,764+157.5% | $11,407+143.0% |