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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.)
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 | $5,355 | $142,392-96.2% | $119,622-95.5% | $134,532-96.0% |
| Participation rate | 40.0% | 82.8%-42.8pp | 79.3%-39.3pp | 81.2%-41.2pp |
| Annual return | -17.30% | -12.46%-4.8pp | -14.98%-2.3pp | 418.27%-435.6pp |
| Employer contribution / active EE | $2 | $5,224-100.0% | $4,232-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $1,976 | $6,467-69.5% | $5,601-64.7% | $6,401-69.1% |
| Admin fee / account holder | $897 | $13,593-93.4% | $10,328-91.3% | $11,429-92.2% |