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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $307,794 | $142,430+116.1% | $115,170+167.3% | $152,897+101.3% |
| Participation rate | 4.3% | 82.4%-78.0pp | 75.9%-71.6pp | 82.5%-78.1pp |
| Annual return | 22.27% | 41.48%-19.2pp | 35.60%-13.3pp | 345.43%-323.2pp |
| Employer contribution / active EE | $0 | $4,011-100.0% | $3,179-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $0 | $5,165-100.0% | $4,169-100.0% | $5,851-100.0% |
| Admin fee / account holder | $5,319 | $8,464-37.2% | $7,089-25.0% | $11,599-54.1% |