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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 | $706,137 | $138,114+411.3% | $125,391+463.1% | $134,545+424.8% |
| Participation rate | 40.0% | 84.5%-44.5pp | 82.4%-42.4pp | 81.2%-41.2pp |
| Annual return | -13.37% | 750.88%-764.3pp | 572.41%-585.8pp | 418.37%-431.7pp |
| Employer contribution / active EE | $3,093 | $5,246-41.0% | $4,816-35.8% | $4,742-34.8% |
| Participant deferral / active EE | $10,800 | $7,801+38.4% | $7,448+45.0% | $6,401+68.7% |
| Admin fee / account holder | $6,808 | $11,570-41.2% | $10,009-32.0% | $11,431-40.4% |