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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 | $276,485 | $174,379+58.6% | $152,093+81.8% | $138,895+99.1% |
| Participation rate | 0.0% | 81.6%-81.6pp | 77.8%-77.8pp | 79.9%-79.9pp |
| Annual return | 15.35% | 74.86%-59.5pp | 66.36%-51.0pp | 145.39%-130.0pp |
| Employer contribution / active EE | $4,003 | $4,652-13.9% | $4,175-4.1% | $4,194-4.6% |
| Participant deferral / active EE | $19,447 | $6,159+215.7% | $5,451+256.7% | $6,396+204.0% |
| Admin fee / account holder | $1,248 | $16,880-92.6% | $14,497-91.4% | $12,562-90.1% |