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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 | $295,981 | $183,539+61.3% | $155,556+90.3% | $145,897+102.9% |
| Participation rate | 63.6% | 82.7%-19.1pp | 78.2%-14.6pp | 80.3%-16.7pp |
| Annual return | 16.03% | 61.31%-45.3pp | 64.84%-48.8pp | 552.29%-536.3pp |
| Employer contribution / active EE | $4,109 | $5,315-22.7% | $4,675-12.1% | $4,663-11.9% |
| Participant deferral / active EE | $7,778 | $6,467+20.3% | $5,631+38.1% | $6,689+16.3% |
| Admin fee / account holder | $8,507 | $19,275-55.9% | $15,885-46.4% | $13,390-36.5% |