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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 | $10,038 | $94,766-89.4% | $112,923-91.1% | $139,487-92.8% |
| Participation rate | 46.2% | 81.3%-35.2pp | 80.5%-34.4pp | 80.3%-34.2pp |
| Annual return | 12.35% | 40.96%-28.6pp | 34.13%-21.8pp | 373.84%-361.5pp |
| Employer contribution / active EE | $0 | $4,636-100.0% | $4,570-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $0 | $6,523-100.0% | $6,520-100.0% | $6,713-100.0% |
| Admin fee / account holder | $4,414 | $8,529-48.2% | $7,046-37.3% | $11,407-61.3% |