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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 | $299,136 | $111,535+168.2% | $105,223+184.3% | $137,256+117.9% |
| Participation rate | 54.5% | 78.1%-23.5pp | 75.0%-20.5pp | 80.0%-25.4pp |
| Annual return | 13.88% | 237.85%-224.0pp | 180.65%-166.8pp | 220.34%-206.5pp |
| Employer contribution / active EE | $1,535 | $3,939-61.0% | $3,689-58.4% | $4,156-63.1% |
| Participant deferral / active EE | $4,738 | $5,500-13.9% | $5,072-6.6% | $6,407-26.1% |
| Admin fee / account holder | $20,135 | $9,721+107.1% | $8,859+127.3% | $12,270+64.1% |