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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,506 | $103,393-38.6% | $87,103-27.1% | $152,909-58.5% |
| Participation rate | 44.4% | 79.4%-34.9pp | 76.9%-32.4pp | 82.5%-38.0pp |
| Annual return | 1.64% | 28.10%-26.5pp | 28.19%-26.6pp | 345.46%-343.8pp |
| Employer contribution / active EE | $1,176 | $3,221-63.5% | $2,521-53.4% | $4,764-75.3% |
| Participant deferral / active EE | $1,309 | $4,778-72.6% | $4,049-67.7% | $5,851-77.6% |
| Admin fee / account holder | $640 | $12,195-94.8% | $7,491-91.5% | $11,601-94.5% |