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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 | $136,131 | $115,814+17.5% | $101,275+34.4% | $158,982-14.4% |
| Participation rate | 52.6% | 79.4%-26.7pp | 75.8%-23.2pp | 82.0%-29.3pp |
| Annual return | 19.08% | 56.16%-37.1pp | 46.48%-27.4pp | 302.99%-283.9pp |
| Employer contribution / active EE | $470 | $4,176-88.7% | $3,660-87.2% | $4,763-90.1% |
| Participant deferral / active EE | $1,508 | $4,958-69.6% | $4,371-65.5% | $5,983-74.8% |
| Admin fee / account holder | $799 | $7,249-89.0% | $5,948-86.6% | $11,252-92.9% |