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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 | $520,821 | $99,668+422.6% | $86,451+502.4% | $134,545+287.1% |
| Participation rate | 66.7% | 82.1%-15.4pp | 80.3%-13.7pp | 81.2%-14.6pp |
| Annual return | -14.01% | 6789.61%-6803.6pp | 4398.51%-4412.5pp | 418.37%-432.4pp |
| Employer contribution / active EE | $549 | $4,403-87.5% | $3,770-85.4% | $4,742-88.4% |
| Participant deferral / active EE | $2,600 | $7,249-64.1% | $6,953-62.6% | $6,401-59.4% |
| Admin fee / account holder | $27,958 | $8,377+233.8% | $6,734+315.1% | $11,431+144.6% |