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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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,699 | $122,585-70.1% | $184,256-80.1% | $200,096-81.7% |
| Participation rate | 63.3% | 86.9%-23.7pp | 86.8%-23.6pp | 72.0%-8.8pp |
| Annual return | 29.78% | 144.12%-114.3pp | 28.85%+0.9pp | 34.26%-4.5pp |
| Employer contribution / active EE | $1,979 | $4,571-56.7% | $6,427-69.2% | $3,038-34.8% |
| Participant deferral / active EE | $4,245 | $7,972-46.7% | $9,133-53.5% | $5,090-16.6% |
| Admin fee / account holder | $380 | $120+216.5% | $13,899-97.3% | $269+41.3% |