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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.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,130 | $91,179-73.5% | $178,499-86.5% | $79,852-69.8% |
| Participation rate | 25.7% | 69.2%-43.5pp | 81.9%-56.2pp | 69.6%-43.9pp |
| Annual return | 19.74% | 24.19%-4.5pp | 151.10%-131.4pp | 31.72%-12.0pp |
| Employer contribution / active EE | $131 | $3,256-96.0% | $5,011-97.4% | $2,471-94.7% |
| Participant deferral / active EE | $3,053 | $3,236-5.6% | $5,202-41.3% | $3,740-18.4% |
| Admin fee / account holder | $2,489 | $6,749-63.1% | $13,986-82.2% | $5,306-53.1% |