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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 | $325,869 | $172,111+89.3% | $150,298+116.8% | $137,256+137.4% |
| Participation rate | 62.5% | 81.7%-19.2pp | 77.8%-15.3pp | 80.0%-17.5pp |
| Annual return | 14.97% | 69.37%-54.4pp | 62.79%-47.8pp | 220.34%-205.4pp |
| Employer contribution / active EE | $2,082 | $4,636-55.1% | $4,154-49.9% | $4,156-49.9% |
| Participant deferral / active EE | $10,008 | $6,166+62.3% | $5,453+83.5% | $6,407+56.2% |
| Admin fee / account holder | $1,883 | $16,471-88.6% | $14,116-86.7% | $12,270-84.7% |