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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 | $24,975 | $39,766-37.2% | $66,674-62.5% | $71,012-64.8% |
| Participation rate | 12.4% | 47.7%-35.3pp | 73.7%-61.3pp | 58.6%-46.2pp |
| Annual return | 18.12% | 181.39%-163.3pp | 321.24%-303.1pp | 37.67%-19.5pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,620-100.0% | $2,348-100.0% |
| Participant deferral / active EE | $493 | $1,868-73.6% | $4,084-87.9% | $3,246-84.8% |
| Admin fee / account holder | $5,999 | $1,097+447.1% | $5,098+17.7% | $1,167+414.0% |