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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 | $28,320 | $167,415-83.1% | $140,514-79.8% | $198,609-85.7% |
| Participation rate | 20.0% | 80.9%-60.9pp | 77.8%-57.8pp | 82.4%-62.4pp |
| Annual return | 9.49% | 13.85%-4.4pp | 14.36%-4.9pp | 202.70%-193.2pp |
| Employer contribution / active EE | $0 | $4,088-100.0% | $3,378-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $0 | $5,579-100.0% | $4,919-100.0% | $6,977-100.0% |
| Admin fee / account holder | $2,499 | $16,730-85.1% | $13,697-81.8% | $19,030-86.9% |