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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 | $262,004 | $73,009+258.9% | $90,760+188.7% | $68,486+282.6% |
| Participation rate | 65.9% | 70.8%-5.0pp | 75.7%-9.8pp | 67.9%-2.0pp |
| Annual return | -17.63% | -13.81%-3.8pp | -12.16%-5.5pp | -7.85%-9.8pp |
| Employer contribution / active EE | $7,377 | $2,193+236.4% | $2,922+152.5% | $2,597+184.1% |
| Participant deferral / active EE | $6,314 | $3,626+74.1% | $4,565+38.3% | $4,028+56.8% |
| Admin fee / account holder | $23,648 | $5,896+301.1% | $8,444+180.0% | $5,404+337.6% |