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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 | $259,856 | $183,539+41.6% | $155,556+67.0% | $145,897+78.1% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 12.40% | 61.31%-48.9pp | 64.84%-52.4pp | 552.29%-539.9pp |
| Employer contribution / active EE | $2,363 | $5,315-55.5% | $4,675-49.5% | $4,663-49.3% |
| Participant deferral / active EE | $6,611 | $6,467+2.2% | $5,631+17.4% | $6,689-1.2% |
| Admin fee / account holder | $6,265 | $19,275-67.5% | $15,885-60.6% | $13,390-53.2% |