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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 | $112,682 | $124,980-9.8% | $108,359+4.0% | $154,746-27.2% |
| Participation rate | 50.0% | 75.2%-25.2pp | 70.1%-20.1pp | 80.7%-30.7pp |
| Annual return | 27.36% | 45.00%-17.6pp | 36.89%-9.5pp | 172.34%-145.0pp |
| Employer contribution / active EE | $200 | $2,851-93.0% | $2,399-91.7% | $4,379-95.4% |
| Participant deferral / active EE | $1,703 | $4,743-64.1% | $4,137-58.8% | $6,730-74.7% |
| Admin fee / account holder | $617 | $11,502-94.6% | $9,741-93.7% | $14,365-95.7% |