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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 | $258,853 | $138,114+87.4% | $125,391+106.4% | $134,545+92.4% |
| Participation rate | 56.5% | 84.5%-28.0pp | 82.4%-25.9pp | 81.2%-24.7pp |
| Annual return | -12.94% | 750.88%-763.8pp | 572.41%-585.4pp | 418.37%-431.3pp |
| Employer contribution / active EE | $2,079 | $5,246-60.4% | $4,816-56.8% | $4,742-56.1% |
| Participant deferral / active EE | $7,978 | $7,801+2.3% | $7,448+7.1% | $6,401+24.6% |
| Admin fee / account holder | $65,411 | $11,570+465.3% | $10,009+553.5% | $11,431+472.2% |