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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 | $288,435 | $81,487+254.0% | $102,412+181.6% | $80,935+256.4% |
| Participation rate | 65.7% | 66.8%-1.1pp | 74.5%-8.8pp | 67.7%-1.9pp |
| Annual return | 13.44% | 25.60%-12.2pp | 24.94%-11.5pp | 35.66%-22.2pp |
| Employer contribution / active EE | $2,442 | $3,103-21.3% | $3,870-36.9% | $2,757-11.4% |
| Participant deferral / active EE | $4,572 | $3,871+18.1% | $5,060-9.7% | $4,299+6.3% |
| Admin fee / account holder | $61,384 | $6,717+813.8% | $8,388+631.8% | $6,924+786.5% |