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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 | $185,312+75.8% | $161,489+101.8% | $154,746+110.6% |
| Participation rate | 62.5% | 82.5%-20.0pp | 78.7%-16.2pp | 80.7%-18.2pp |
| Annual return | 14.97% | 103.84%-88.9pp | 89.72%-74.8pp | 172.34%-157.4pp |
| Employer contribution / active EE | $2,082 | $4,769-56.4% | $4,268-51.2% | $4,379-52.5% |
| Participant deferral / active EE | $10,008 | $6,350+57.6% | $5,630+77.8% | $6,730+48.7% |
| Admin fee / account holder | $1,883 | $18,654-89.9% | $16,006-88.2% | $14,365-86.9% |