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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 | $322,585 | $185,312+74.1% | $161,489+99.8% | $154,746+108.5% |
| Participation rate | 33.3% | 82.5%-49.1pp | 78.7%-45.4pp | 80.7%-47.4pp |
| Annual return | 17.27% | 103.84%-86.6pp | 89.72%-72.4pp | 172.34%-155.1pp |
| Employer contribution / active EE | $2,167 | $4,769-54.6% | $4,268-49.2% | $4,379-50.5% |
| Participant deferral / active EE | $4,355 | $6,350-31.4% | $5,630-22.7% | $6,730-35.3% |
| Admin fee / account holder | $4,921 | $18,654-73.6% | $16,006-69.3% | $14,365-65.7% |