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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 | $27,319 | $217,427-87.4% | $185,837-85.3% | $167,518-83.7% |
| Participation rate | 50.0% | 86.0%-36.0pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 49.50% | 148.39%-98.9pp | 122.08%-72.6pp | 478.71%-429.2pp |
| Employer contribution / active EE | $601 | $5,874-89.8% | $5,168-88.4% | $4,838-87.6% |
| Participant deferral / active EE | $13,444 | $6,357+111.5% | $5,568+141.4% | $6,342+112.0% |
| Admin fee / account holder | $8,670 | $19,816-56.3% | $16,241-46.6% | $12,312-29.6% |