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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 | $100,978 | $80,731+25.1% | $103,378-2.3% | $74,400+35.7% |
| Participation rate | 21.0% | 65.7%-44.7pp | 74.5%-53.5pp | 67.2%-46.2pp |
| Annual return | 13.57% | 27.56%-14.0pp | 24.91%-11.3pp | 1367.51%-1353.9pp |
| Employer contribution / active EE | $730 | $3,159-76.9% | $3,870-81.1% | $2,624-72.2% |
| Participant deferral / active EE | $1,667 | $3,862-56.8% | $5,058-67.0% | $4,348-61.7% |
| Admin fee / account holder | $1,631 | $2,369-31.2% | $8,401-80.6% | $1,944-16.1% |