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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 | $265,878 | $180,462+47.3% | $154,111+72.5% | $135,379+96.4% |
| Participation rate | 42.9% | 87.4%-44.6pp | 83.0%-40.2pp | 82.6%-39.8pp |
| Annual return | -4.08% | 888.17%-892.2pp | 735.18%-739.3pp | 519.79%-523.9pp |
| Employer contribution / active EE | $4,956 | $6,036-17.9% | $5,298-6.5% | $4,779+3.7% |
| Participant deferral / active EE | $6,312 | $5,806+8.7% | $5,081+24.2% | $5,609+12.5% |
| Admin fee / account holder | $786 | $16,145-95.1% | $13,411-94.1% | $10,828-92.7% |