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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 | $298,716 | $135,645+120.2% | $110,243+171.0% | $135,380+120.7% |
| Participation rate | 27.8% | 83.5%-55.7pp | 79.8%-52.0pp | 82.6%-54.9pp |
| Annual return | -6.96% | 513.24%-520.2pp | 314.76%-321.7pp | 519.81%-526.8pp |
| Employer contribution / active EE | $1,512 | $4,907-69.2% | $3,827-60.5% | $4,779-68.4% |
| Participant deferral / active EE | $5,327 | $5,507-3.3% | $4,672+14.0% | $5,609-5.0% |
| Admin fee / account holder | $40,017 | $11,458+249.2% | $8,548+368.2% | $10,828+269.6% |