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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.)
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 | $15,448 | $71,215-78.3% | $93,696-83.5% | $80,935-80.9% |
| Participation rate | 60.6% | 60.4%+0.2pp | 68.7%-8.1pp | 67.7%-7.1pp |
| Annual return | 29.93% | 11.27%+18.7pp | 133.74%-103.8pp | 35.66%-5.7pp |
| Employer contribution / active EE | $1,195 | $1,565-23.6% | $2,422-50.6% | $2,757-56.6% |
| Participant deferral / active EE | $2,146 | $4,037-46.8% | $4,417-51.4% | $4,299-50.1% |
| Admin fee / account holder | $2,131 | $6,958-69.4% | $8,287-74.3% | $6,924-69.2% |