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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.)
Annual investment return is in the bottom quintile of the peer cohort.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,994 | $98,547-60.4% | $216,567-82.0% | $69,733-44.1% |
| Participation rate | 59.5% | 68.4%-8.9pp | 81.6%-22.2pp | 62.5%-3.0pp |
| Annual return | 8.92% | 14.25%-5.3pp | 12.94%-4.0pp | 15.22%-6.3pp |
| Employer contribution / active EE | $0 | $2,660-100.0% | $5,216-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $3,873 | $3,496+10.8% | $6,191-37.4% | $3,054+26.8% |
| Admin fee / account holder | $1,170 | $4,094-71.4% | $21,981-94.7% | $3,102-62.3% |