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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 | $756,206 | $124,980+505.1% | $108,359+597.9% | $154,746+388.7% |
| Participation rate | 33.3% | 75.2%-41.8pp | 70.1%-36.8pp | 80.7%-47.4pp |
| Annual return | 11.34% | 45.00%-33.7pp | 36.89%-25.6pp | 172.34%-161.0pp |
| Employer contribution / active EE | $1,494 | $2,851-47.6% | $2,399-37.7% | $4,379-65.9% |
| Participant deferral / active EE | $2,748 | $4,743-42.1% | $4,137-33.6% | $6,730-59.2% |
| Admin fee / account holder | $9,247 | $11,502-19.6% | $9,741-5.1% | $14,365-35.6% |