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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 | $446,910 | $110,093+305.9% | $97,295+359.3% | $145,897+206.3% |
| Participation rate | 55.6% | 75.9%-20.4pp | 72.7%-17.1pp | 80.3%-24.8pp |
| Annual return | 13.50% | 244.76%-231.3pp | 75.62%-62.1pp | 552.29%-538.8pp |
| Employer contribution / active EE | $2,003 | $3,077-34.9% | $2,723-26.4% | $4,663-57.0% |
| Participant deferral / active EE | $5,192 | $4,678+11.0% | $4,264+21.8% | $6,689-22.4% |
| Admin fee / account holder | $11,995 | $6,212+93.1% | $5,646+112.4% | $13,390-10.4% |