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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 | $283,850 | $180,459+57.3% | $154,108+84.2% | $135,380+109.7% |
| Participation rate | 0.0% | 87.4%-87.4pp | 83.0%-83.0pp | 82.6%-82.6pp |
| Annual return | -5.25% | 888.21%-893.5pp | 735.21%-740.5pp | 519.81%-525.1pp |
| Employer contribution / active EE | $4,174 | $6,035-30.8% | $5,298-21.2% | $4,779-12.7% |
| Participant deferral / active EE | $4,716 | $5,806-18.8% | $5,081-7.2% | $5,609-15.9% |
| Admin fee / account holder | $38,242 | $16,145+136.9% | $13,411+185.1% | $10,828+253.2% |