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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 | $726,237 | $160,059+353.7% | $140,019+418.7% | $135,379+436.4% |
| Participation rate | 69.2% | 88.5%-19.3pp | 87.5%-18.3pp | 82.6%-13.4pp |
| Annual return | -4.47% | 911.44%-915.9pp | 651.15%-655.6pp | 519.79%-524.3pp |
| Employer contribution / active EE | $6,673 | $6,420+3.9% | $5,605+19.0% | $4,779+39.6% |
| Participant deferral / active EE | $5,591 | $7,641-26.8% | $6,927-19.3% | $5,609-0.3% |
| Admin fee / account holder | $21,683 | $13,328+62.7% | $10,705+102.5% | $10,828+100.3% |