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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 | $387,101 | $172,111+124.9% | $150,298+157.6% | $137,256+182.0% |
| Participation rate | 55.0% | 81.7%-26.7pp | 77.8%-22.8pp | 80.0%-25.0pp |
| Annual return | 12.90% | 69.37%-56.5pp | 62.79%-49.9pp | 220.34%-207.4pp |
| Employer contribution / active EE | $2,455 | $4,636-47.0% | $4,154-40.9% | $4,156-40.9% |
| Participant deferral / active EE | $3,943 | $6,166-36.1% | $5,453-27.7% | $6,407-38.5% |
| Admin fee / account holder | $12,030 | $16,471-27.0% | $14,116-14.8% | $12,270-2.0% |