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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,592 | $64,010-66.3% | $108,359-80.1% | $64,340-66.4% |
| Participation rate | 57.7% | 49.4%+8.3pp | 70.1%-12.4pp | 55.2%+2.4pp |
| Annual return | 12.52% | 19.74%-7.2pp | 36.89%-24.4pp | 24.14%-11.6pp |
| Employer contribution / active EE | $555 | $1,029-46.1% | $2,399-76.9% | $1,862-70.2% |
| Participant deferral / active EE | $836 | $2,395-65.1% | $4,137-79.8% | $2,980-71.9% |
| Admin fee / account holder | $1,154 | $4,885-76.4% | $9,741-88.2% | $3,703-68.8% |