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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 | $468,949 | $167,362+180.2% | $143,799+226.1% | $134,532+248.6% |
| Participation rate | 0.0% | 84.8%-84.8pp | 80.3%-80.3pp | 81.2%-81.2pp |
| Annual return | -17.44% | 0.47%-17.9pp | -0.04%-17.4pp | 418.27%-435.7pp |
| Employer contribution / active EE | $8,139 | $5,620+44.8% | $4,952+64.4% | $4,741+71.7% |
| Participant deferral / active EE | $6,295 | $6,447-2.4% | $5,638+11.6% | $6,401-1.7% |
| Admin fee / account holder | $3,436 | $18,094-81.0% | $14,677-76.6% | $11,429-69.9% |