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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.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,940 | $93,064-86.1% | $74,577-82.6% | $273,972-95.3% |
| Participation rate | 57.1% | 74.9%-17.8pp | 68.1%-11.0pp | 83.0%-25.9pp |
| Annual return | 3.04% | 26.18%-23.1pp | 20.47%-17.4pp | 41.46%-38.4pp |
| Employer contribution / active EE | $1,527 | $3,160-51.7% | $2,525-39.5% | $4,869-68.6% |
| Participant deferral / active EE | $2,567 | $4,160-38.3% | $3,458-25.8% | $5,287-51.4% |
| Admin fee / account holder | $995 | $5,273-81.1% | $4,138-76.0% | $10,133-90.2% |