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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.
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 | $91,941 | $239,436-61.6% | $227,282-59.5% | $286,788-67.9% |
| Participation rate | 63.6% | 42.0%+21.7pp | 35.4%+28.3pp | 37.6%+26.0pp |
| Annual return | 0.02% | 10.53%-10.5pp | 10.75%-10.7pp | 9.30%-9.3pp |
| Employer contribution / active EE | $12,595 | $37,410-66.3% | $35,170-64.2% | $43,748-71.2% |
| Participant deferral / active EE | $0 | $82-100.0% | $82-100.0% | $83-100.0% |
| Admin fee / account holder | $1,749 | $4,800-63.6% | $4,611-62.1% | $12,596-86.1% |