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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 | $269,244 | $162,136+66.1% | $152,301+76.8% | $154,746+74.0% |
| Participation rate | 66.7% | 84.1%-17.4pp | 82.4%-15.8pp | 80.7%-14.0pp |
| Annual return | 20.54% | 91.02%-70.5pp | 80.50%-60.0pp | 172.34%-151.8pp |
| Employer contribution / active EE | $16,379 | $4,890+234.9% | $4,624+254.2% | $4,379+274.0% |
| Participant deferral / active EE | $3,674 | $8,341-56.0% | $8,004-54.1% | $6,730-45.4% |
| Admin fee / account holder | $15,953 | $15,759+1.2% | $14,398+10.8% | $14,365+11.1% |