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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 | $482,514 | $137,414+251.1% | $189,537+154.6% | $85,847+462.1% |
| Participation rate | 59.4% | 84.6%-25.2pp | 87.8%-28.4pp | 69.3%-9.9pp |
| Annual return | 19.23% | 38.14%-18.9pp | 555.34%-536.1pp | 318.61%-299.4pp |
| Employer contribution / active EE | $20,066 | $4,344+361.9% | $6,161+225.7% | $2,565+682.2% |
| Participant deferral / active EE | $13,445 | $6,260+114.8% | $8,220+63.6% | $3,952+240.2% |
| Admin fee / account holder | $2,370 | $8,630-72.5% | $12,048-80.3% | $6,261-62.2% |