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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 | $253,128 | $138,114+83.3% | $125,391+101.9% | $134,545+88.1% |
| Participation rate | 20.0% | 84.5%-64.5pp | 82.4%-62.4pp | 81.2%-61.2pp |
| Annual return | -14.17% | 750.88%-765.1pp | 572.41%-586.6pp | 418.37%-432.5pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,816-100.0% | $4,742-100.0% |
| Participant deferral / active EE | $4,100 | $7,801-47.4% | $7,448-45.0% | $6,401-36.0% |
| Admin fee / account holder | $127,959 | $11,570+1005.9% | $10,009+1178.5% | $11,431+1019.4% |