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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 | $130,815 | $81,476+60.6% | $102,383+27.8% | $80,925+61.7% |
| Participation rate | 68.9% | 66.8%+2.0pp | 74.5%-5.6pp | 67.7%+1.2pp |
| Annual return | 23.28% | 25.59%-2.3pp | 24.94%-1.7pp | 35.65%-12.4pp |
| Employer contribution / active EE | $382 | $3,105-87.7% | $3,870-90.1% | $2,756-86.1% |
| Participant deferral / active EE | $2,670 | $3,871-31.0% | $5,060-47.2% | $4,299-37.9% |
| Admin fee / account holder | $7,404 | $6,717+10.2% | $8,391-11.8% | $6,940+6.7% |