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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 | $285,130 | $132,634+115.0% | $115,768+146.3% | $137,256+107.7% |
| Participation rate | 54.5% | 77.9%-23.3pp | 74.4%-19.8pp | 80.0%-25.4pp |
| Annual return | 16.02% | 160.70%-144.7pp | 100.46%-84.4pp | 220.34%-204.3pp |
| Employer contribution / active EE | $3,367 | $3,360+0.2% | $2,940+14.5% | $4,156-19.0% |
| Participant deferral / active EE | $7,092 | $5,619+26.2% | $4,917+44.2% | $6,407+10.7% |
| Admin fee / account holder | $4,631 | $15,028-69.2% | $12,439-62.8% | $12,270-62.3% |