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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 | $22,525 | $71,878-68.7% | $86,698-74.0% | $68,486-67.1% |
| Participation rate | 40.6% | 72.2%-31.6pp | 76.6%-36.0pp | 67.9%-27.3pp |
| Annual return | -3.62% | 3.53%-7.1pp | 35.95%-39.6pp | -7.85%+4.2pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $0 | $3,779-100.0% | $4,656-100.0% | $4,028-100.0% |
| Admin fee / account holder | $2,927 | $6,113-52.1% | $7,493-60.9% | $5,404-45.8% |