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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 | $402,541 | $160,070+151.5% | $147,117+173.6% | $145,897+175.9% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.9pp | 80.3%-47.0pp |
| Annual return | 11.69% | 98.69%-87.0pp | 420.54%-408.8pp | 552.29%-540.6pp |
| Employer contribution / active EE | $1,076 | $5,285-79.6% | $4,932-78.2% | $4,663-76.9% |
| Participant deferral / active EE | $6,833 | $8,419-18.8% | $8,065-15.3% | $6,689+2.1% |
| Admin fee / account holder | $3,403 | $15,035-77.4% | $12,993-73.8% | $13,390-74.6% |