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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 | $644,815 | $180,466+257.3% | $154,114+318.4% | $135,382+376.3% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -2.47% | 888.15%-890.6pp | 735.16%-737.6pp | 519.77%-522.2pp |
| Employer contribution / active EE | $3,968 | $6,035-34.3% | $5,298-25.1% | $4,779-17.0% |
| Participant deferral / active EE | $12,699 | $5,806+118.7% | $5,081+149.9% | $5,609+126.4% |
| Admin fee / account holder | $4,805 | $16,144-70.2% | $13,411-64.2% | $10,829-55.6% |