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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 | $474,906 | $88,603+436.0% | $69,890+579.5% | $134,545+253.0% |
| Participation rate | 68.8% | 74.9%-6.2pp | 70.5%-1.7pp | 81.2%-12.5pp |
| Annual return | -6.49% | 442.93%-449.4pp | 190.84%-197.3pp | 418.37%-424.9pp |
| Employer contribution / active EE | $3,341 | $3,236+3.2% | $2,560+30.5% | $4,742-29.5% |
| Participant deferral / active EE | $7,052 | $4,771+47.8% | $3,848+83.2% | $6,401+10.2% |
| Admin fee / account holder | $15,274 | $10,443+46.3% | $6,267+143.7% | $11,431+33.6% |