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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.)
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 | $28,423 | $82,979-65.7% | $102,412-72.2% | $77,736-63.4% |
| Participation rate | 21.2% | 71.5%-50.3pp | 74.5%-53.3pp | 70.6%-49.4pp |
| Annual return | 14.84% | 19.11%-4.3pp | 24.94%-10.1pp | 31.26%-16.4pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $3,870-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,042 | $4,109-74.6% | $5,060-79.4% | $4,651-77.6% |
| Admin fee / account holder | $2,619 | $639+310.1% | $8,388-68.8% | $433+504.4% |