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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 | $315,001 | $138,114+128.1% | $125,391+151.2% | $134,545+134.1% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -9.81% | 750.88%-760.7pp | 572.41%-582.2pp | 418.37%-428.2pp |
| Employer contribution / active EE | $1,860 | $5,246-64.5% | $4,816-61.4% | $4,742-60.8% |
| Participant deferral / active EE | $6,730 | $7,801-13.7% | $7,448-9.6% | $6,401+5.1% |
| Admin fee / account holder | $1,683 | $11,570-85.5% | $10,009-83.2% | $11,431-85.3% |