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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.)
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 | $140,958 | $125,190+12.6% | $105,624+33.5% | $145,897-3.4% |
| Participation rate | 50.0% | 77.6%-27.6pp | 75.3%-25.3pp | 80.3%-30.3pp |
| Annual return | 13.81% | 225.22%-211.4pp | 116.20%-102.4pp | 552.29%-538.5pp |
| Employer contribution / active EE | $540 | $3,720-85.5% | $3,168-83.0% | $4,663-88.4% |
| Participant deferral / active EE | $4,276 | $5,716-25.2% | $5,013-14.7% | $6,689-36.1% |
| Admin fee / account holder | $1,720 | $17,138-90.0% | $10,961-84.3% | $13,390-87.2% |