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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $639 | $55,932-98.9% | $76,735-99.2% | $67,986-99.1% |
| Participation rate | 64.5% | 50.8%+13.7pp | 69.5%-5.0pp | 57.2%+7.3pp |
| Annual return | 12.54% | 23.10%-10.6pp | 29.77%-17.2pp | 31.67%-19.1pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $339 | $2,558-86.8% | $4,088-91.7% | $3,358-89.9% |
| Admin fee / account holder | $399 | $4,907-91.9% | $7,189-94.4% | $3,203-87.5% |