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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 | $349,819 | $138,114+153.3% | $125,391+179.0% | $134,545+160.0% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -17.38% | 750.88%-768.3pp | 572.41%-589.8pp | 418.37%-435.8pp |
| Employer contribution / active EE | $24,667 | $5,246+370.2% | $4,816+412.2% | $4,742+420.2% |
| Participant deferral / active EE | $18,494 | $7,801+137.1% | $7,448+148.3% | $6,401+188.9% |
| Admin fee / account holder | $814 | $11,570-93.0% | $10,009-91.9% | $11,431-92.9% |