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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 | $251,243 | $117,829+113.2% | $102,423+145.3% | $145,877+72.2% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 22.68% | 31.83%-9.2pp | 29.42%-6.7pp | 551.28%-528.6pp |
| Employer contribution / active EE | $2,589 | $3,615-28.4% | $3,023-14.4% | $4,663-44.5% |
| Participant deferral / active EE | $4,233 | $5,732-26.2% | $5,054-16.3% | $6,691-36.7% |
| Admin fee / account holder | $1,675 | $13,335-87.4% | $9,455-82.3% | $13,402-87.5% |