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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 are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,870 | $321,431-81.7% | $308,850-80.9% | $248,183-76.3% |
| Participation rate | 55.6% | 52.9%+2.6pp | 48.5%+7.1pp | 45.9%+9.7pp |
| Annual return | 9.48% | 14.95%-5.5pp | 14.41%-4.9pp | 10.21%-0.7pp |
| Employer contribution / active EE | $12,116 | $48,159-74.8% | $45,283-73.2% | $42,272-71.3% |
| Participant deferral / active EE | $0 | $124-100.0% | $125-100.0% | $121-100.0% |
| Admin fee / account holder | $2,453 | $8,071-69.6% | $9,941-75.3% | $13,518-81.9% |