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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 | $95,117 | $61,815+53.9% | $97,295-2.2% | $80,959+17.5% |
| Participation rate | 11.4% | 63.5%-52.1pp | 72.7%-61.3pp | 67.7%-56.3pp |
| Annual return | 16.51% | -558.73%+575.2pp | 75.62%-59.1pp | 35.67%-19.2pp |
| Employer contribution / active EE | $355 | $1,836-80.7% | $2,723-87.0% | $2,757-87.1% |
| Participant deferral / active EE | $1,773 | $3,027-41.4% | $4,264-58.4% | $4,300-58.8% |
| Admin fee / account holder | $1,043 | $5,166-79.8% | $5,646-81.5% | $6,925-84.9% |