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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 | $51,638+683.8% | $68,368+492.0% | $82,448+390.9% |
| Participation rate | 18.5% | 63.6%-45.1pp | 73.8%-55.2pp | 68.1%-49.5pp |
| Annual return | 14.35% | 37.53%-23.2pp | 292.57%-278.2pp | 41.64%-27.3pp |
| Employer contribution / active EE | $892 | $2,047-56.4% | $2,649-66.3% | $2,551-65.0% |
| Participant deferral / active EE | $3,518 | $2,914+20.7% | $4,123-14.7% | $4,139-15.0% |
| Admin fee / account holder | $13,517 | $4,643+191.1% | $5,150+162.5% | $7,234+86.8% |