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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 | $408,214 | $91,198+347.6% | $178,503+128.7% | $79,856+411.2% |
| Participation rate | 60.7% | 69.2%-8.5pp | 81.9%-21.2pp | 69.6%-8.9pp |
| Annual return | 13.61% | 24.20%-10.6pp | 151.12%-137.5pp | 31.71%-18.1pp |
| Employer contribution / active EE | $5,427 | $3,257+66.6% | $5,011+8.3% | $2,471+119.6% |
| Participant deferral / active EE | $3,740 | $3,237+15.6% | $5,202-28.1% | $3,7410% |
| Admin fee / account holder | $15,302 | $6,748+126.8% | $13,987+9.4% | $5,306+188.4% |