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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,229,058 | $209,422+486.9% | $178,503+588.5% | $158,982+673.1% |
| Participation rate | 66.7% | 86.4%-19.7pp | 81.9%-15.3pp | 82.0%-15.3pp |
| Annual return | -3.31% | 188.81%-192.1pp | 151.12%-154.4pp | 302.99%-306.3pp |
| Employer contribution / active EE | $35,309 | $5,707+518.7% | $5,011+604.6% | $4,763+641.4% |
| Participant deferral / active EE | $21,957 | $5,955+268.7% | $5,202+322.1% | $5,983+267.0% |
| Admin fee / account holder | $77,339 | $17,079+352.8% | $13,987+452.9% | $11,252+587.4% |