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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 | $52,230 | $175,259-70.2% | $149,723-65.1% | $139,487-62.6% |
| Participation rate | 38.1% | 83.4%-45.3pp | 78.8%-40.7pp | 80.3%-42.2pp |
| Annual return | 23.26% | 166.82%-143.6pp | 134.50%-111.2pp | 373.84%-350.6pp |
| Employer contribution / active EE | $992 | $5,478-81.9% | $4,821-79.4% | $4,755-79.1% |
| Participant deferral / active EE | $2,283 | $6,522-65.0% | $5,682-59.8% | $6,713-66.0% |
| Admin fee / account holder | $2,146 | $16,158-86.7% | $13,215-83.8% | $11,407-81.2% |