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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 | $293,894 | $138,075+112.9% | $123,552+137.9% | $135,379+117.1% |
| Participation rate | 66.7% | 84.7%-18.1pp | 82.3%-15.6pp | 82.6%-16.0pp |
| Annual return | -5.23% | 153.70%-158.9pp | 119.20%-124.4pp | 519.79%-525.0pp |
| Employer contribution / active EE | $19,158 | $5,152+271.9% | $4,628+314.0% | $4,779+300.9% |
| Participant deferral / active EE | $5,493 | $6,800-19.2% | $6,426-14.5% | $5,609-2.1% |
| Admin fee / account holder | $57,132 | $10,917+423.3% | $9,285+515.3% | $10,828+427.6% |