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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 | $264,539 | $138,076+91.6% | $123,553+114.1% | $135,380+95.4% |
| Participation rate | 40.0% | 84.7%-44.7pp | 82.3%-42.3pp | 82.6%-42.6pp |
| Annual return | -2.80% | 153.70%-156.5pp | 119.21%-122.0pp | 519.81%-522.6pp |
| Employer contribution / active EE | $7,495 | $5,152+45.5% | $4,628+61.9% | $4,779+56.8% |
| Participant deferral / active EE | $5,597 | $6,800-17.7% | $6,426-12.9% | $5,609-0.2% |
| Admin fee / account holder | $3,770 | $10,917-65.5% | $9,284-59.4% | $10,828-65.2% |