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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 | $254,563 | $124,314+104.8% | $109,163+133.2% | $167,518+52.0% |
| Participation rate | 66.7% | 79.4%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 12.93% | 26.04%-13.1pp | 25.75%-12.8pp | 478.71%-465.8pp |
| Employer contribution / active EE | $3,507 | $4,209-16.7% | $3,723-5.8% | $4,838-27.5% |
| Participant deferral / active EE | $9,750 | $5,256+85.5% | $4,654+109.5% | $6,342+53.7% |
| Admin fee / account holder | $13,666 | $7,973+71.4% | $6,754+102.3% | $12,312+11.0% |