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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 | $350,029 | $156,616+123.5% | $133,346+162.5% | $198,609+76.2% |
| Participation rate | 42.9% | 77.7%-34.9pp | 72.8%-30.0pp | 82.4%-39.5pp |
| Annual return | 11.06% | 44.25%-33.2pp | 36.85%-25.8pp | 202.70%-191.6pp |
| Employer contribution / active EE | $1,857 | $3,368-44.9% | $2,853-34.9% | $5,055-63.3% |
| Participant deferral / active EE | $2,423 | $4,920-50.7% | $4,332-44.1% | $6,977-65.3% |
| Admin fee / account holder | $14,558 | $17,468-16.7% | $14,264+2.1% | $19,030-23.5% |