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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 | $262,172 | $150,446+74.3% | $136,297+92.4% | $147,585+77.6% |
| Participation rate | 63.6% | 84.4%-20.8pp | 81.9%-18.3pp | 82.8%-19.2pp |
| Annual return | 25.09% | 1049.14%-1024.1pp | 5156.19%-5131.1pp | 578.58%-553.5pp |
| Employer contribution / active EE | $3,646 | $5,256-30.6% | $4,696-22.3% | $4,876-25.2% |
| Participant deferral / active EE | $13,144 | $6,631+98.2% | $6,247+110.4% | $5,439+141.7% |
| Admin fee / account holder | $41,545 | $10,906+280.9% | $9,244+349.4% | $10,886+281.7% |