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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 | $312,327 | $160,059+95.1% | $140,019+123.1% | $135,380+130.7% |
| Participation rate | 66.7% | 88.5%-21.9pp | 87.5%-20.8pp | 82.6%-16.0pp |
| Annual return | -4.91% | 911.48%-916.4pp | 651.17%-656.1pp | 519.81%-524.7pp |
| Employer contribution / active EE | $13,966 | $6,420+117.6% | $5,605+149.2% | $4,779+192.2% |
| Participant deferral / active EE | $15,418 | $7,641+101.8% | $6,927+122.6% | $5,609+174.9% |
| Admin fee / account holder | $35,533 | $13,328+166.6% | $10,705+231.9% | $10,828+228.2% |