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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 | $266,840 | $70,366+279.2% | $66,674+300.2% | $138,895+92.1% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.7%-7.0pp | 79.9%-13.3pp |
| Annual return | 20.22% | 386.41%-366.2pp | 321.24%-301.0pp | 145.39%-125.2pp |
| Employer contribution / active EE | $16,847 | $2,765+509.3% | $2,620+543.0% | $4,194+301.7% |
| Participant deferral / active EE | $12,495 | $4,374+185.7% | $4,084+206.0% | $6,396+95.4% |
| Admin fee / account holder | $1,046 | $5,262-80.1% | $5,098-79.5% | $12,562-91.7% |