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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $499,391 | $150,412+232.0% | $120,574+314.2% | $145,884+242.3% |
| Participation rate | 66.7% | 78.8%-12.1pp | 71.9%-5.3pp | 80.3%-13.6pp |
| Annual return | 14.35% | 154.50%-140.1pp | 107.42%-93.1pp | 551.85%-537.5pp |
| Employer contribution / active EE | $764 | $4,355-82.4% | $3,471-78.0% | $4,662-83.6% |
| Participant deferral / active EE | $15,333 | $6,175+148.3% | $4,996+206.9% | $6,690+129.2% |
| Admin fee / account holder | $380 | $12,224-96.9% | $9,445-96.0% | $13,392-97.2% |