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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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,701 | $71,197-34.4% | $93,669-50.1% | $80,925-42.3% |
| Participation rate | 66.0% | 60.4%+5.6pp | 68.7%-2.7pp | 67.7%-1.7pp |
| Annual return | 8.48% | 11.27%-2.8pp | 133.59%-125.1pp | 35.65%-27.2pp |
| Employer contribution / active EE | $833 | $1,565-46.7% | $2,424-65.6% | $2,756-69.8% |
| Participant deferral / active EE | $1,727 | $4,036-57.2% | $4,416-60.9% | $4,299-59.8% |
| Admin fee / account holder | $42,231 | $6,959+506.9% | $8,291+409.3% | $6,940+508.5% |