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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 | $23,102 | $97,125-76.2% | $86,233-73.2% | $137,256-83.2% |
| Participation rate | 66.7% | 74.2%-7.5pp | 69.0%-2.4pp | 80.0%-13.3pp |
| Annual return | 20.27% | 74.19%-53.9pp | 61.39%-41.1pp | 220.34%-200.1pp |
| Employer contribution / active EE | $85 | $2,841-97.0% | $2,504-96.6% | $4,156-97.9% |
| Participant deferral / active EE | $8,132 | $5,180+57.0% | $4,559+78.4% | $6,407+26.9% |
| Admin fee / account holder | $346 | $9,725-96.4% | $8,342-95.9% | $12,270-97.2% |