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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 | $514,812 | $102,938+400.1% | $94,105+447.1% | $138,895+270.6% |
| Participation rate | 52.6% | 74.6%-22.0pp | 71.9%-19.3pp | 79.9%-27.3pp |
| Annual return | 14.07% | 250.28%-236.2pp | 204.55%-190.5pp | 145.39%-131.3pp |
| Employer contribution / active EE | $1,699 | $2,732-37.8% | $2,504-32.2% | $4,194-59.5% |
| Participant deferral / active EE | $4,332 | $4,196+3.2% | $3,881+11.6% | $6,396-32.3% |
| Admin fee / account holder | $1,008 | $6,600-84.7% | $6,199-83.7% | $12,562-92.0% |