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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 | $260,853 | $95,979+171.8% | $74,551+249.9% | $135,380+92.7% |
| Participation rate | 37.5% | 75.7%-38.2pp | 69.1%-31.6pp | 82.6%-45.1pp |
| Annual return | -0.66% | 56.97%-57.6pp | 32.53%-33.2pp | 519.81%-520.5pp |
| Employer contribution / active EE | $2,334 | $2,716-14.1% | $1,961+19.0% | $4,779-51.2% |
| Participant deferral / active EE | $7,996 | $3,844+108.0% | $3,108+157.3% | $5,609+42.6% |
| Admin fee / account holder | $105,314 | $6,522+1514.7% | $5,059+1981.6% | $10,828+872.6% |