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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 | $7,890 | $111,535-92.9% | $105,223-92.5% | $137,256-94.3% |
| Participation rate | 60.0% | 78.1%-18.1pp | 75.0%-15.0pp | 80.0%-20.0pp |
| Annual return | 16.64% | 237.85%-221.2pp | 180.65%-164.0pp | 220.34%-203.7pp |
| Employer contribution / active EE | $4,000 | $3,939+1.5% | $3,689+8.4% | $4,156-3.8% |
| Participant deferral / active EE | $2,254 | $5,500-59.0% | $5,072-55.6% | $6,407-64.8% |
| Admin fee / account holder | $2,259 | $9,721-76.8% | $8,859-74.5% | $12,270-81.6% |