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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 | $286,111 | $138,102+107.2% | $125,381+128.2% | $134,532+112.7% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -16.62% | 750.73%-767.3pp | 572.31%-588.9pp | 418.27%-434.9pp |
| Employer contribution / active EE | $1,374 | $5,245-73.8% | $4,815-71.5% | $4,741-71.0% |
| Participant deferral / active EE | $5,258 | $7,801-32.6% | $7,448-29.4% | $6,401-17.9% |
| Admin fee / account holder | $14,126 | $11,568+22.1% | $10,007+41.2% | $11,429+23.6% |