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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 | $893,552 | $134,817+562.8% | $123,973+620.8% | $155,188+475.8% |
| Participation rate | 46.2% | 79.4%-33.2pp | 76.7%-30.5pp | 80.8%-34.6pp |
| Annual return | 23.85% | 515.49%-491.6pp | 388.13%-364.3pp | 148.84%-125.0pp |
| Employer contribution / active EE | $3,232 | $4,425-27.0% | $4,126-21.7% | $4,248-23.9% |
| Participant deferral / active EE | $12,039 | $5,706+111.0% | $5,247+129.4% | $6,531+84.3% |
| Admin fee / account holder | $7,157 | $13,245-46.0% | $11,799-39.3% | $14,480-50.6% |