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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $143,180 | $136,860+4.6% | $120,344+19.0% | $154,746-7.5% |
| Participation rate | 20.0% | 79.9%-59.9pp | 76.7%-56.7pp | 80.7%-60.7pp |
| Annual return | 17.01% | 21.38%-4.4pp | 20.30%-3.3pp | 172.34%-155.3pp |
| Employer contribution / active EE | $796 | $3,533-77.5% | $3,020-73.6% | $4,379-81.8% |
| Participant deferral / active EE | $4,700 | $5,793-18.9% | $5,135-8.5% | $6,730-30.2% |
| Admin fee / account holder | $1,191 | $15,393-92.3% | $12,742-90.7% | $14,365-91.7% |