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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 | $298,485 | $99,668+199.5% | $86,451+245.3% | $134,545+121.8% |
| Participation rate | 58.3% | 82.1%-23.7pp | 80.3%-22.0pp | 81.2%-22.9pp |
| Annual return | -16.68% | 6789.61%-6806.3pp | 4398.51%-4415.2pp | 418.37%-435.0pp |
| Employer contribution / active EE | $2,399 | $4,403-45.5% | $3,770-36.4% | $4,742-49.4% |
| Participant deferral / active EE | $6,501 | $7,249-10.3% | $6,953-6.5% | $6,401+1.6% |
| Admin fee / account holder | $12,058 | $8,377+43.9% | $6,734+79.0% | $11,431+5.5% |