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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 | $404,725 | $61,125+562.1% | $94,057+330.3% | $87,485+362.6% |
| Participation rate | 18.5% | 64.1%-45.5pp | 73.3%-54.8pp | 68.9%-50.4pp |
| Annual return | 14.35% | 35.20%-20.9pp | 480.62%-466.3pp | 26.06%-11.7pp |
| Employer contribution / active EE | $892 | $2,136-58.2% | $2,933-69.6% | $2,596-65.6% |
| Participant deferral / active EE | $3,518 | $3,260+7.9% | $4,709-25.3% | $4,274-17.7% |
| Admin fee / account holder | $13,517 | $5,629+140.1% | $7,244+86.6% | $7,775+73.9% |