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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 | $370,255 | $180,459+105.2% | $154,108+140.3% | $135,380+173.5% |
| Participation rate | 69.2% | 87.4%-18.2pp | 83.0%-13.8pp | 82.6%-13.4pp |
| Annual return | -5.13% | 888.21%-893.3pp | 735.21%-740.3pp | 519.81%-524.9pp |
| Employer contribution / active EE | $7,004 | $6,035+16.1% | $5,298+32.2% | $4,779+46.6% |
| Participant deferral / active EE | $4,096 | $5,806-29.5% | $5,081-19.4% | $5,609-27.0% |
| Admin fee / account holder | $4,304 | $16,145-73.3% | $13,411-67.9% | $10,828-60.3% |