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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 | $270,258 | $150,442+79.6% | $136,295+98.3% | $147,585+83.1% |
| Participation rate | 55.6% | 84.4%-28.9pp | 81.9%-26.4pp | 82.8%-27.3pp |
| Annual return | 17.57% | 1049.09%-1031.5pp | 5155.97%-5138.4pp | 578.56%-561.0pp |
| Employer contribution / active EE | $2,287 | $5,256-56.5% | $4,695-51.3% | $4,876-53.1% |
| Participant deferral / active EE | $5,240 | $6,630-21.0% | $6,247-16.1% | $5,439-3.7% |
| Admin fee / account holder | $4,929 | $10,905-54.8% | $9,243-46.7% | $10,885-54.7% |