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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 | $29,239 | $65,395-55.3% | $182,558-84.0% | $72,976-59.9% |
| Participation rate | 38.1% | 65.4%-27.3pp | 78.0%-39.9pp | 69.5%-31.4pp |
| Annual return | 0.00% | 27.68%-27.7pp | 148.59%-148.6pp | 81.02%-81.0pp |
| Employer contribution / active EE | $227 | $1,911-88.1% | $4,076-94.4% | $2,440-90.7% |
| Participant deferral / active EE | $1,326 | $3,563-62.8% | $5,526-76.0% | $3,608-63.2% |
| Admin fee / account holder | $1,384 | $4,245-67.4% | $8,594-83.9% | $5,124-73.0% |