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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 | $178,019 | $100,262+77.6% | $81,370+118.8% | $145,897+22.0% |
| Participation rate | 50.0% | 74.3%-24.3pp | 69.5%-19.5pp | 80.3%-30.3pp |
| Annual return | 22.42% | 34.52%-12.1pp | 24.85%-2.4pp | 552.29%-529.9pp |
| Employer contribution / active EE | $267 | $2,979-91.0% | $2,464-89.2% | $4,663-94.3% |
| Participant deferral / active EE | $7,086 | $4,612+53.6% | $3,885+82.4% | $6,689+5.9% |
| Admin fee / account holder | $1,040 | $8,163-87.3% | $5,749-81.9% | $13,390-92.2% |