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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 | $399,917 | $138,114+189.6% | $125,391+218.9% | $134,545+197.2% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -14.08% | 750.88%-765.0pp | 572.41%-586.5pp | 418.37%-432.4pp |
| Employer contribution / active EE | $16,796 | $5,246+220.2% | $4,816+248.8% | $4,742+254.2% |
| Participant deferral / active EE | $10,275 | $7,801+31.7% | $7,448+38.0% | $6,401+60.5% |
| Admin fee / account holder | $1,727 | $11,570-85.1% | $10,009-82.7% | $11,431-84.9% |