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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 | $252,533 | $110,551+128.4% | $80,741+212.8% | $167,536+50.7% |
| Participation rate | 28.6% | 64.0%-35.4pp | 54.2%-25.6pp | 82.1%-53.5pp |
| Annual return | 12.98% | 120.57%-107.6pp | 87.30%-74.3pp | 478.82%-465.8pp |
| Employer contribution / active EE | $916 | $1,543-40.6% | $1,160-21.0% | $4,839-81.1% |
| Participant deferral / active EE | $7,429 | $2,870+158.8% | $2,145+246.3% | $6,342+17.1% |
| Admin fee / account holder | $460 | $4,547-89.9% | $3,380-86.4% | $12,315-96.3% |