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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 | $311,903 | $138,102+125.8% | $125,381+148.8% | $134,532+131.8% |
| Participation rate | 28.6% | 84.5%-55.9pp | 82.4%-53.8pp | 81.2%-52.7pp |
| Annual return | -14.93% | 750.73%-765.7pp | 572.31%-587.2pp | 418.27%-433.2pp |
| Employer contribution / active EE | $4,870 | $5,245-7.2% | $4,815+1.1% | $4,741+2.7% |
| Participant deferral / active EE | $7,299 | $7,801-6.4% | $7,448-2.0% | $6,401+14.0% |
| Admin fee / account holder | $3,425 | $11,568-70.4% | $10,007-65.8% | $11,429-70.0% |