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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 | $582,640 | $180,459+222.9% | $154,108+278.1% | $135,380+330.4% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -4.39% | 888.21%-892.6pp | 735.21%-739.6pp | 519.81%-524.2pp |
| Employer contribution / active EE | $26,000 | $6,035+330.8% | $5,298+390.8% | $4,779+444.1% |
| Participant deferral / active EE | $12,243 | $5,806+110.9% | $5,081+141.0% | $5,609+118.3% |
| Admin fee / account holder | $276,528 | $16,145+1612.8% | $13,411+1961.9% | $10,828+2453.8% |