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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,076 | $73,009-76.6% | $90,760-81.2% | $68,486-75.1% |
| Participation rate | 41.6% | 70.8%-29.3pp | 75.7%-34.1pp | 67.9%-26.3pp |
| Annual return | -15.50% | -13.81%-1.7pp | -12.16%-3.3pp | -7.85%-7.6pp |
| Employer contribution / active EE | $1,897 | $2,193-13.5% | $2,922-35.1% | $2,597-26.9% |
| Participant deferral / active EE | $3,080 | $3,626-15.1% | $4,565-32.5% | $4,028-23.5% |
| Admin fee / account holder | $2,891 | $5,896-51.0% | $8,444-65.8% | $5,404-46.5% |