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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 | $295,331 | $89,367+230.5% | $141,191+109.2% | $72,975+304.7% |
| Participation rate | 56.1% | 75.1%-19.0pp | 82.5%-26.4pp | 69.5%-13.4pp |
| Annual return | 22.16% | 111.87%-89.7pp | 71.41%-49.2pp | 81.01%-58.8pp |
| Employer contribution / active EE | $5,169 | $3,115+66.0% | $4,736+9.1% | $2,440+111.8% |
| Participant deferral / active EE | $6,379 | $5,419+17.7% | $6,710-4.9% | $3,608+76.8% |
| Admin fee / account holder | $25,527 | $5,957+328.6% | $10,264+148.7% | $5,124+398.2% |