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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,320 | $51,083-21.1% | $70,548-42.8% | $71,495-43.6% |
| Participation rate | 39.7% | 59.4%-19.7pp | 68.3%-28.7pp | 67.9%-28.3pp |
| Annual return | 13.57% | 42.64%-29.1pp | 32.78%-19.2pp | 28.85%-15.3pp |
| Employer contribution / active EE | $295 | $1,791-83.5% | $2,975-90.1% | $2,589-88.6% |
| Participant deferral / active EE | $1,584 | $3,028-47.7% | $4,567-65.3% | $4,291-63.1% |
| Admin fee / account holder | $3,589 | $1,995+79.9% | $6,424-44.1% | $1,588+126.1% |