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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.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,787 | $73,863-94.9% | $143,797-97.4% | $68,490-94.5% |
| Participation rate | 7.7% | 66.7%-59.0pp | 80.3%-72.6pp | 67.9%-60.2pp |
| Annual return | -8.30% | 0.91%-9.2pp | -0.04%-8.3pp | -7.85%-0.4pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $0 | $3,385-100.0% | $5,638-100.0% | $4,028-100.0% |
| Admin fee / account holder | $509 | $5,756-91.2% | $14,679-96.5% | $5,403-90.6% |