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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 | $558,474 | $138,078+304.5% | $125,363+345.5% | $134,509+315.2% |
| Participation rate | 44.4% | 84.5%-40.0pp | 82.4%-37.9pp | 81.2%-36.8pp |
| Annual return | -18.59% | 750.49%-769.1pp | 572.15%-590.7pp | 418.13%-436.7pp |
| Employer contribution / active EE | $2,713 | $5,245-48.3% | $4,815-43.6% | $4,741-42.8% |
| Participant deferral / active EE | $10,333 | $7,800+32.5% | $7,447+38.8% | $6,400+61.4% |
| Admin fee / account holder | $16,230 | $11,566+40.3% | $10,005+62.2% | $11,427+42.0% |